diff --git a/chunks/txt/c79b42cb7fb8cae8ecab9b4f9657f0a6b27dd07246a8efdcfe5914464cb41e9c.txt b/chunks/txt/c79b42cb7fb8cae8ecab9b4f9657f0a6b27dd07246a8efdcfe5914464cb41e9c.txt new file mode 100644 index 0000000000000000000000000000000000000000..670ffb465a6fe94ddd6d4444de46efc514a07429 --- /dev/null +++ b/chunks/txt/c79b42cb7fb8cae8ecab9b4f9657f0a6b27dd07246a8efdcfe5914464cb41e9c.txt @@ -0,0 +1,78 @@ +Submit 2.6 or Submit 3.6 + +Submit 3.6 Only + +November 18, 2024 – +Redesigned Uniform +Residential Appraisal +Report (URAR) industry +training available on +GSE websites + +June 4, 2025 – GSEs +publish policy updates + +September 8, 2025 – Fannie Mae and Freddie +Mac can accept both UAD 2.6 and 3.6 + +July 28, 2025 – ULDD +Mandate: Lenders must +deliver ULDD Phase 5 +data points prior to +using UAD 3.6 + +*Limited Production Participants - Lenders who +have submitted the UAD Questionnaire and +received GSE approval will have controlled access +to submit 3.6 to Uniform Collateral Data Portal +(UCDP) + +January 26, 2026 – All Lenders may begin +submitting to the GSEs’ production environment +without prior GSE approval + +November 2, 2026 – +Lenders must use UAD +3.6 for all new +submissions on or after +this date + +Revisions allowed for +previously submitted +UAD 2.6 appraisals + +2.6 Pipeline +Cleared + +May 3, 2027 – UAD +2.6 Pipeline +revisions period +ends + +2024 and beyond + +April 2025 | 20 + +GSE-Provided Training + +User’s Guide to the New Uniform Residential Appraisal Report (URAR) + +Available on the GSE websites. This training is focused on how to read the new reports and when data displays. + +Learning Objectives: + +• Explore the dynamic appraisal reports (URAR, Appraisal Update Report, and Completion Report) and the + +transition to eliminate property type-specific forms + +• Become familiar with the new reporting features of the appraisal reports + +• Learn the basics of the new UAD + +• Examine expanded data requirements + +• Understand your responsibilities in the new appraisal reporting process + +April 2025 | 21 + +Additional Resources diff --git a/chunks/txt/c7a56162c239328176d479b95c11d1cbe49435dd017b5d56559d6d2b218d0cc6.txt b/chunks/txt/c7a56162c239328176d479b95c11d1cbe49435dd017b5d56559d6d2b218d0cc6.txt new file mode 100644 index 0000000000000000000000000000000000000000..38b3ee73accc3047a752faab91082004de2be4c7 --- /dev/null +++ b/chunks/txt/c7a56162c239328176d479b95c11d1cbe49435dd017b5d56559d6d2b218d0cc6.txt @@ -0,0 +1,13 @@ +### **Will FHFA pursue further changes to the Enterprises’ credit score or credit reporting requirements?** + +FHFA continues to assess opportunities to lower costs for consumers, promote robust competition, and spur innovation – all while ensuring ongoing safety and soundness at the Enterprises. + +[Fannie Mae Credit Score Transition Page](https://singlefamily.fanniemae.com/originating-underwriting/credit-score-models) + +[Freddie Mac Credit Score Transition Page](https://sf.freddiemac.com/general/credit-score-models) + +## **Background** + +On October 24, 2022, [FHFA announced](/news/news-release/fhfa-announces-validation-of-fico-10t-and-vantagescore-4.0-for-use-by-fannie-mae-and-freddie-mac) the validation and approval of two new credit score models, FICO 10T and VantageScore 4.0, for use by the Enterprises. Once implemented, lenders will be required to deliver both FICO 10T and VantageScore 4.0 credit scores, when available, with each single-family loan sold to the Enterprises. The announcement followed a lengthy process of reviewing potential updates to the Enterprises’ credit score requirements, as required by statute and regulation. During this time, the Enterprises undertook rigorous testing of the models for which an application was received. Both of the newly approved models exceeded the required thresholds for accuracy, reliability, and integrity. + +On October 24, 2022, FHFA also announced that the Enterprises would permit lenders to use either tri-merge credit reporting, in which credit reports from each of the three nationwide consumer reporting agencies are used, or bi-merge credit reporting, in which credit reports from two of the nationwide consumer reporting agencies are used. FHFA expects this update will promote competition in the market while supporting robust risk management. diff --git a/chunks/txt/c7baee43bec45bf368fcf3e90b8f60de3cefe21579e455d69f57d1a836462dad.txt b/chunks/txt/c7baee43bec45bf368fcf3e90b8f60de3cefe21579e455d69f57d1a836462dad.txt new file mode 100644 index 0000000000000000000000000000000000000000..ef4a3d52be88c09efb296c7b0c8355471b3954c1 --- /dev/null +++ b/chunks/txt/c7baee43bec45bf368fcf3e90b8f60de3cefe21579e455d69f57d1a836462dad.txt @@ -0,0 +1,114 @@ +Display Rules + +Always displays + +Always displays + +Always displays + +29.019 + +The FHA Appraiser does not guarantee that the Property is free from defects. The appraisal establishes the value of the Property for mortgage +insurance purposes only. + +Display when +GovernmentAgencyApp +raisalType = "FHA" AND +ValuationAssignmentTy +pe = "Purchase" OR +"Refinance" + +Certifications + +Appraiser Certifications + +The Appraiser Certifications subsection always displays. + +Report +Field ID + +Cert # + +Certifications Text + +Appraiser Certifications + +29.020 + +The Appraiser certifies and agrees that: + +29.021 + +1 + +I have no present or prospective interest in the property that is the subject of this report, or relationship with the present +or prospective owners or occupants of the subject property, or other parties involved in this transaction. + +Appendix B-1: URAR Implementation Guide v1.3 + +Display Rules + +Always displays + +Always displays + +Always displays + +Page 369 + +Report +Field ID + +29.022 + +29.023 + +29.024 + +29.025 + +29.026 + +29.027 + +29.028 + +29.029 + +Cert # + +Certifications Text + +Display Rules + +2 + +3 + +4 + +5 + +6 + +7 + +8 + +9 + +I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the +subject of this report, or the demographics of the area where the property is located. + +Always displays + +I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and +requirements that apply to the appraiser and to the assignment. + +Always displays + +I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or +gender identity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial +status, or national origin of the present or prospective owners or occupants of either the subject property or properties in +the area of the subject property or on any other basis prohibited by the Fair Housing Act or the Equal Credit Opportunity +Act, or any other basis prohibited by law. diff --git a/chunks/txt/c7bc3c804e08449e8549c74abde60f2caebfdfeed170ec60c519046db1be45fb.txt b/chunks/txt/c7bc3c804e08449e8549c74abde60f2caebfdfeed170ec60c519046db1be45fb.txt new file mode 100644 index 0000000000000000000000000000000000000000..eaf381c83804c5fa3acf49e5f1e3d804966622ad --- /dev/null +++ b/chunks/txt/c7bc3c804e08449e8549c74abde60f2caebfdfeed170ec60c519046db1be45fb.txt @@ -0,0 +1,14 @@ +`` + - 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Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/c7c0461b232b3c4f7ba9b057bcdc1fbecc20009eb68123ef9a989736c348445a.txt b/chunks/txt/c7c0461b232b3c4f7ba9b057bcdc1fbecc20009eb68123ef9a989736c348445a.txt new file mode 100644 index 0000000000000000000000000000000000000000..f23cea61aae8fb853b7f07baa035aed16bb4880f --- /dev/null +++ b/chunks/txt/c7c0461b232b3c4f7ba9b057bcdc1fbecc20009eb68123ef9a989736c348445a.txt @@ -0,0 +1,71 @@ +LOAN_IDENTIFIER_EXTENSION + +MESSAGE/DEAL_SETS/DE AL_SET/ DE ALS /DE AL/P ARTIES/ P ARTY/ ROLES/ ROLE /BORROW ER + +Root XPath + +Extensions for HMDA Data + +GOVERNMENT_MONITORING_DETAIL + +EXTENSION + +OTHER + +GOVERNMENT_MONITORING_DETAIL_EXTENSION + +HMDA_RACE + +EXTENSION + +HMDA_RACE_EXTENSION + +OTHER + +GOVERNMENT_MONITORING_EXTENSION + +HMDA_ETHNICITIES + +HMDA_ETHNICITY + +HMDA_ETHNICITY_ORIGINS + +HMDA_ETHNICITY_ORIGIN + +Diagram Legend +XPath + +Root XPath + +Requisite EXTENSION and OTHER Containers for creating + +extensionsStructurally required named extension container + +Figure 3 – Extension Hierarchy in MISMO Version 3.0 Reference Model + +5.2. XML Container Description + +The MISMO Version 3.0 Reference Model utilizes a hierarchical container structure as shown in +Figure 1. The loan delivery XML file referenced in this Implementation Guide is contained within the +root element of MESSAGE. To clarify the differences with the plural and the singular container +names, pluralized MISMO container names (e.g., LOANS) indicate that the singular container name +(e.g., LOAN) is a repeatable container within the pluralized container (e.g., LOANS). For example, +there may be multiple LOAN containers within a single LOANS container. + +To better understand how these containers apply to Fannie Mae’s loan delivery process, refer to the +XML containers table below: + +Table 4 - XML Containers and Descriptions + +Container Name + +Container Description + +ABOUT_VERSION + +DEAL_SET + +Captures the version number of Fannie Mae’s Implementation Guide +that was used to create the loan delivery XML file and the date and +time that the loan delivery file was created. There is only one +occurrence of the ABOUT_VERSION container per loan delivery file. diff --git a/chunks/txt/c7e0219ee272093b3c16e7a52d3d67787638656f0ab9ca792b8c01e2b83ec1b8.txt b/chunks/txt/c7e0219ee272093b3c16e7a52d3d67787638656f0ab9ca792b8c01e2b83ec1b8.txt new file mode 100644 index 0000000000000000000000000000000000000000..6afce94eadcf82eccb57391174163bde8cff3dd6 --- /dev/null +++ b/chunks/txt/c7e0219ee272093b3c16e7a52d3d67787638656f0ab9ca792b8c01e2b83ec1b8.txt @@ -0,0 +1,38 @@ +Unit Special Assessments + +Unit Tax Abatements or Exemptions + +Project Factors Commentary +18.094 + +Project Information Commentary + +Project Information Exhibits + +18.095 + +18.096.1 | 18.096.2 + +18.012.1 | 18.012.2 + +18.014.1 | 18.014.2 + +Appraisal Version # + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) + +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1) +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27) diff --git a/chunks/txt/c7e24719ba520019078ac0faa37fa1075dfd3f591f40df0138eae1d6593b3203.txt b/chunks/txt/c7e24719ba520019078ac0faa37fa1075dfd3f591f40df0138eae1d6593b3203.txt new file mode 100644 index 0000000000000000000000000000000000000000..036463f2e6ab0adc30aaa83a6d14c9ff78b6f9cc --- /dev/null +++ b/chunks/txt/c7e24719ba520019078ac0faa37fa1075dfd3f591f40df0138eae1d6593b3203.txt @@ -0,0 +1,170 @@ +UAD Requirement - Refer to Appendix D Improvements Section +The appraisal report must indicate the subject property's year built in a four-digit format +only, such as 1978 or 2002. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +Data Format: yyyy + +This is a free text field which should contain a description of the materials of the +exterior walls. +This is a free text field which should contain a description of the materials of the roof +surface. + +Numeric + +Whole numbers only. + +Numeric + +String + +Numeric, to two decimal places: 1.25 parking spaces per unit + +T + +T + +R + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 138 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +158 + +159 + +160 + +161 + +162 + +163 + +164 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +151 + +152 + +153 + +154 + +155 + +156 + +157 + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +PROJECT +INFORMATION +PROJECT +INFORMATION +PROJECT +INFORMATION +PROJECT +INFORMATION +PROJECT +INFORMATION +PROJECT +INFORMATION + +Project +Guest Parking +Subject Phase +# of Units +Subject Phase +# of Units Completed +Subject Phase +# of Units For Sale +Subject Phase +# of Units Sold +Subject Phase +# of Units Rented + +Guest Parking +Spaces Count +Planned Units +Count +Completed Units +Count +Units For Sale +Count + +The total number of guest or common-area +parking spaces in the project. + +Total number of planned living units. + +Total number of completed living units. + +Total number of living units for sale. + +Units Sold Count + +Total number of living units sold. + +Units Rented Count Total number of living units rented. diff --git a/chunks/txt/c7e8a5855adb8bbfe0b7c2f6438865ad0a1060d06d8f1c767f970ae3afd2dc8a.txt b/chunks/txt/c7e8a5855adb8bbfe0b7c2f6438865ad0a1060d06d8f1c767f970ae3afd2dc8a.txt new file mode 100644 index 0000000000000000000000000000000000000000..bca85bb7625ce0fd89863f0dcb7392bb7338f6f2 --- /dev/null +++ b/chunks/txt/c7e8a5855adb8bbfe0b7c2f6438865ad0a1060d06d8f1c767f970ae3afd2dc8a.txt @@ -0,0 +1,80 @@ +Doc Name, Desc, Keywords or Form # + +- Any - + +A + +B + +C + +D + +E + +F + +G + +H + +I + +J + +K + +L + +M + +N + +O + +P + +Q + +R + +S + +T + +U + +V + +W + +X + +Y + +Z + +Document Title Languages Source / Form Number # [CFPB Escrow Cancellation Notice](/mortgage-translations/document/cfpb-escrow-cancellation-notice) Spanish CFPB [Form 182 - Adverse Action Notice](/mortgage-translations/document/form-182-adverse-action-notice) English, Spanish CFPB [Authorized Changes for ARM Riders](/mortgage-translations/document/authorized-changes-for-arm-riders) English Freddie Mac [Oregon Translation of HUD Truth in Lending Settlement Statement](/mortgage-translations/document/oregon-translation-of-hud-truth-in-lending-settlement-statement) Spanish / Español State Agencies [Supplemental Consumer Information Form (SCIF) Rendering Options](/mortgage-translations/document/supplemental-consumer-information-form-scif-rendering-options) English Fannie Mae; Freddie Mac + +- [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - [6](?page=5) + - [7](?page=6) + - [8](?page=7) + - [9](?page=8) + - … + - [Next](?page=1) + - [Last](?page=31) + +Document Language - Any - English Spanish / Español Chinese / 中文 Vietnamese / Tiếng Việt Korean / 한국어 Tagalog / Filipino + +Doc Name, Desc, Keywords or Form # + +I Am Looking for Information About... (Scenario) - Any - Preparing to Buy a Home Applying for a Mortgage or Refinancing Paying My Mortgage Having Difficulty Making Mortgage Payments + +Stage - Any - Getting a Mortgage Mortgage Servicing + +Document Source - Any - CFPB (Consumer Financial Protection Bureau) Fannie Mae Freddie Mac HUD (Housing and Urban Development) IRS (Internal Revenue Service) SSA (Social Security Administration) State Agencies diff --git a/chunks/txt/c804386e33a89c684a2e924e9b02a8379b007197693c3870877d9872e3b919ba.txt b/chunks/txt/c804386e33a89c684a2e924e9b02a8379b007197693c3870877d9872e3b919ba.txt new file mode 100644 index 0000000000000000000000000000000000000000..8cf9fea4e08f2c668dc7f712be6d25d67dac3fa8 --- /dev/null +++ b/chunks/txt/c804386e33a89c684a2e924e9b02a8379b007197693c3870877d9872e3b919ba.txt @@ -0,0 +1,135 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@ProjectName + +SALES +COMPARISON +APPROACH + +Phase + +Project Phase +Identifier + +The current phase number of a multi- +phase development project. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@ProjectPhaseI +dentifier + +SALES +COMPARISON +APPROACH + +Proximity to Subject + +Proximity To +Subject +Description + +A free-form text field used to describe the +proximity of a comparable property to the +subject property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +ProximityToSubjectDescription + +SALES +COMPARISON +APPROACH + +Sale Price + +Property Sales +Amount + +The sales price of the referenced property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@PropertySales +Amount + +SALES +COMPARISON +APPROACH + +Sales Price/Gross Liv. Area + +Sales Price Per +Gross Living Area +Amount + +The sales price in terms of dollars per +square foot of gross living area. This is a +ratio between the sales price and an area, +but it is a monetary value rather than a +factor or rate. (CALCULATED +RESULTS FIELD) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@SalesPricePer +GrossLivingAreaAmount + +35 + +20 + +35 + +20 + +35 + +20 + +35 + +30 + +40 + +2 + +10 + +35 + +35 + +35 + +11 + +12 + +String + +String + +String + +String + +String + +String + +String + +String + +String + +String + +String + +String + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Must conform to USPS (Pub 28). The following address elements should be included +in this field: +• Street number +• Street name (including applicable pre-directional indicator, suffix, and/or post- +directional indicator) diff --git a/chunks/txt/c8063dd2965446d7aa1a2a0f9a51228d9d3e6206b96e1e8a2c1722ef0dc0d90b.txt b/chunks/txt/c8063dd2965446d7aa1a2a0f9a51228d9d3e6206b96e1e8a2c1722ef0dc0d90b.txt new file mode 100644 index 0000000000000000000000000000000000000000..4e44016ce9423b04d3874347840cc4666dc54678 --- /dev/null +++ b/chunks/txt/c8063dd2965446d7aa1a2a0f9a51228d9d3e6206b96e1e8a2c1722ef0dc0d90b.txt @@ -0,0 +1,5 @@ +Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + +Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + +[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/13451&order=field_release_date&sort=asc) Report Attachment August 18, 2025 [Open Data Plan – 2025](/reports/information-resources-management-strategic-plan/open-data-plan/2025) [Read Report](/document/open-data-plan-2025.pdf) March 11, 2024 [FHFA Information Resources Management Strategic Plan FY 2024-2026](/reports/information-resources-management-strategic-plan/2024-2026) [Read Report](/document/fhfa-information-resources-management-strategic-plan-fy-2024-2026) diff --git a/chunks/txt/c8070449e7ee18dd873082b9ae304c2daf3f115d0aecad8d377318efc232c915.txt b/chunks/txt/c8070449e7ee18dd873082b9ae304c2daf3f115d0aecad8d377318efc232c915.txt new file mode 100644 index 0000000000000000000000000000000000000000..42b644b68504c0d714e690355e7962b25450db13 --- /dev/null +++ b/chunks/txt/c8070449e7ee18dd873082b9ae304c2daf3f115d0aecad8d377318efc232c915.txt @@ -0,0 +1,61 @@ +UCD v2.0 Implementation Guide + +- 130 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +X. PARTIES TO THE TRANSACTION DATA + +Table 69 is organized differently from the others in the I-Guide because the implementation for PARTIES is not hierarchical. +In the MISMO standard, INDIVDUAL and LEGAL_ENTITY are what is known as a “Choice Group”. This means that only one can +be a child of PARTY or the XML file will fail schema validation. In other words, only one can be “chosen” and then the rest of +the child containers under PARTY are used as normal. + +Certain UIDs for borrower and property seller are bolded in blue to indicate that there is just one occurrence of these data +points regardless of whether the borrower or property seller is an individual or legal entity (rare). They are repeated in the +table under both the INDIVIDUAL and LEGAL_ENTITY sections. + +Table 69. XML File Container Structure for Parties to the Transaction Data. + +UCD UIDs + +999.261 + +PARTIES + +Containers + +UCD Usage Notes + +Groups sets of information about each party to the +closing transaction by their role. + +INDIVIDUAL + +999.429 | 999.276 | 999.411 | +999.309 | 999.309 | 999.440 + 999.343 | 999.378 + +PARTY + +▪ Holds child containers with name, address, role, + +and license child containers. + +▪ A minimum of three instances of PARTY under + +DEAL must exist in every XML file for the +borrower, lender and settlement agent. + +▪ Note that one other PARTY (under DEAL_SETS) is +also required in every XML file to identify the file +submitter. See III.A.2.b File Submitter Data. + +Holds name data points for an individual. In UCD, +individuals can be borrowers and/or property sellers +and are contact personnel for companies taking part +in the transaction. diff --git a/chunks/txt/c80ec7f531ee8d392694b75d5595e96c48d2a8ab363bd18447d2b5a351676b1c.txt b/chunks/txt/c80ec7f531ee8d392694b75d5595e96c48d2a8ab363bd18447d2b5a351676b1c.txt new file mode 100644 index 0000000000000000000000000000000000000000..01b74669d6bf263b7f88f99e97ea749825d5d696 --- /dev/null +++ b/chunks/txt/c80ec7f531ee8d392694b75d5595e96c48d2a8ab363bd18447d2b5a351676b1c.txt @@ -0,0 +1,46 @@ +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +June 2018 | 9 of 22 + +Column Name + +Column Name Description + +ULDDS Conditionality + +FNM Conditionality + +This column lists the GSE conditionality of the corresponding +MISMO data point as originally defined in the ULDDS. The +conditionality column lists contains one of three indicators: + Required (R): The corresponding data point must be included +in the loan delivery XML file on all loan delivery transactions. + Conditionally Required (CR): The corresponding data point +must be included in the loan delivery XML file on all loan +delivery transactions when a defined business condition exists. +These conditions are consistent for each of the GSEs’ loan +delivery applications. + + Conditionally Independent (CI): The corresponding data point +must be included in the loan delivery XML file on all loan +delivery transactions when a defined business condition exists. +These conditions are NOT consistent for both of the GSEs’ loan +delivery applications. Refer to the GSE’s Conditionality column +to determine the appropriate usage of the data point. + +lists the Fannie Mae conditionality of + +This column +the +corresponding MISMO data point. The column lists one of two +conditionality indicators: + Required (R): The data point must be included in the loan + +delivery XML file on all loan delivery transactions. + + Conditionally Required (CR): The corresponding data point +must be included in the loan delivery XML file on all loan +delivery transactions when a defined business condition exists. +These conditions are consistent for each of the GSEs’ loan +delivery applications. The conditionally required parameters are +provided as well. diff --git a/chunks/txt/c82f9815edbaf8c74a71e6b11a7962c9db3cb8b0f197c194e2fbb003459622fe.txt b/chunks/txt/c82f9815edbaf8c74a71e6b11a7962c9db3cb8b0f197c194e2fbb003459622fe.txt new file mode 100644 index 0000000000000000000000000000000000000000..06b2e8df3712771d19401cf39593cf938719b3d9 --- /dev/null +++ b/chunks/txt/c82f9815edbaf8c74a71e6b11a7962c9db3cb8b0f197c194e2fbb003459622fe.txt @@ -0,0 +1,7 @@ +View and Impact to Value/Marketability (H1) .................................................................................................... 39 + +Site Features and Impact to Value/Marketability (H1) ....................................................................................... 39 + +Utilities and Impact to Value/Marketability (H1) ............................................................................................... 39 + +Apparent Defects, Damages, Deficiencies (Site) (H1) ......................................................................................... 40 diff --git a/chunks/txt/c857e640031fbe5aee5396e5c9af840cad1a962e4dcd3d70b2a943e99b582819.txt b/chunks/txt/c857e640031fbe5aee5396e5c9af840cad1a962e4dcd3d70b2a943e99b582819.txt new file mode 100644 index 0000000000000000000000000000000000000000..fb6e8c9a770b72d12aa3f2fbe75d06c45acb83b7 --- /dev/null +++ b/chunks/txt/c857e640031fbe5aee5396e5c9af840cad1a962e4dcd3d70b2a943e99b582819.txt @@ -0,0 +1,90 @@ +The common elements appear to be adequately maintained. Within this project you have access to parking spaces adequate for the size of the +community and have access to a common pool and spa area. + +Project Information Exhibits + +Common Amenity or Service - Indoor Pool + +Common Amenity or Service - Spa + +This is where the Inground Spa photo would display. + +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 12 of 22 +Page 12 of 22 + +Project Information (continued) + +Observed Deficiency + +This is where the Observed Deficiency photo would display. + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Current or Relevant Listings + +Data Source + +None +Property Owner + +Prior Sale and Transfer History + +Subject Transfer History + +Prior sales and/or transfers of the subject property (minimum 3 year look back) +Transfer Terms +Typically Motivated + +Date +07/10/2017 + +Amount +$700,000 + +Data Source +Assessor Record +MLS + +Analysis of Prior Sale and Transfer History of Subject Property There has been little fluctuation in the market during the past 4 years. + +Comparable Transfer History + +Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back) +# +#1 None + +Transfer Terms + +Amount + +Date + +Data Source +Assessor Record +MLS + +#2 + +Typically Motivated + +10/01/2018 + +#3 + +Typically Motivated + +12/31/2018 + +Typically Motivated + +09/15/2018 + +#4 None + +$779,000 diff --git a/chunks/txt/c85915b4a5461752de9b5d21f0b58a7b91aa6604e738b640aaddf176d69f8eac.txt b/chunks/txt/c85915b4a5461752de9b5d21f0b58a7b91aa6604e738b640aaddf176d69f8eac.txt new file mode 100644 index 0000000000000000000000000000000000000000..c31b4da64425b7c870a49519f37be6d60289ae66 --- /dev/null +++ b/chunks/txt/c85915b4a5461752de9b5d21f0b58a7b91aa6604e738b640aaddf176d69f8eac.txt @@ -0,0 +1,295 @@ +CR + +CR + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +CR + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 132 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +72 + +73 + +74 + +75 + +76 + +77 + +78 + +79 + +80 + +81 + +82 + +83 + +84 + +85 + +86 + +87 + +88 + +89 + +90 + +91 + +92 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +67 + +68 + +69 + +70 + +71 + +72 + +73 + +74 + +76 + +77 + +78 + +79 + +80 + +82 + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +Demand/Supply +Over Supply + +Marketing Time +Under 3 mths + +Marketing Time +3-6 mths + +Marketing Time +Over 6 mths + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +75 + +NEIGHBORHOOD + +Condominium Housing +Price $ (000) +Low +Condominium Housing +Price $ (000) +High +Condominium Housing +Price $ (000) +Pred. +Condominium Housing +Age (yrs) +Low + +Condominium Housing +Age (yrs) +High + +Condominium Housing +Age (yrs) +Pred. + +NEIGHBORHOOD + +NEIGHBORHOOD + +Present Land Use % +One-Unit + +NEIGHBORHOOD + +Present Land Use % +2-4 Unit + +NEIGHBORHOOD + +Present Land Use % +Multi-Family + +NEIGHBORHOOD + +Present Land Use % +Commercial + +NEIGHBORHOOD + +Present Land Use % +Other + +83 + +NEIGHBORHOOD Neighborhood Boundaries + +Neighborhood +Demand Supply +Type +Neighborhood +Typical Marketing +Time Duration Type +Neighborhood +Typical Marketing +Time Duration Type +Neighborhood +Typical Marketing +Time Duration Type +Neighborhood +Housing Low Price +Amount +Neighborhood +Housing High Price +Amount +Neighborhood +Housing +Predominant Price +Amount +Neighborhood +Housing Newest +Years Count diff --git a/chunks/txt/c86c292414d0dd5220fa3c61fa938f3c0b77ff16de9379aa43417e9db5ba02e8.txt b/chunks/txt/c86c292414d0dd5220fa3c61fa938f3c0b77ff16de9379aa43417e9db5ba02e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..c15f8d2a84e3d7aede0f2540b23730a895e30fcc --- /dev/null +++ b/chunks/txt/c86c292414d0dd5220fa3c61fa938f3c0b77ff16de9379aa43417e9db5ba02e8.txt @@ -0,0 +1,59 @@ +2024-002 Key Concepts - Defining the Property: Corrected Report Field ID for Unit is an ADU (10.011). + +Overview + +2024-039 Key Concepts - Impact: Clarified the ‘Definition / Additional Guidance’ column for Neutral impacts. + +2024-037 Key Concepts - Photos and Images: Corrected photo requirements for vehicle storage. + +Header and Footer 2024-028 Updated date in footer to September 2024. + +01 Summary + +2024-021 + +Updated allowable answers for Market Value Condition (1.009), the ‘Definition / Additional Guidance’ and ‘Allowable +Answers/Format’ columns for Final Value Condition Statement (1.002), and the ‘When to Include’ and ‘Definition / +Additional Guidance’ columns for As Is Overall Condition Rating (1.082). + +2024-002 Corrected the ‘When Displayed in Summary Section’ column for Subject Site Owned in Common (1.020). + +02 Assignment + +2024-002 Corrected typo in Lender, Client, and AMC: The client is the party who engages an appraiser. + +Appendix F-1: URAR Reference Guide + +Page 3 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Revision History + +Reference Guide +Chapter + +Change # + +Version 1.2 (Published September 17, 2024) + +Revision Description + +04 Site + +2024-029 Corrected the ‘When to Include’ column for Access to Property Typical for the Market (4.023). + +07 Sketch + +2024-047 Clarified the ‘Definition / Additional Guidance’ for Measurement Standard (7.001). + +2024-008 + +Corrected the ‘When to Include’ column for Above Grade Finished Area (Nonstandard) (10.004) and Below Grade Finished +Area (Nonstandard) (10.007). + +10 Unit Interior + +2024-042 Clarified that the “Unfinished” row does not display In Level and Room Detail if Unfinished Area of Level is 0 (10.031). diff --git a/chunks/txt/c87c1866b5c3729f4b1890eda1115547d546d0390edebecb032a4d4a05706790.txt b/chunks/txt/c87c1866b5c3729f4b1890eda1115547d546d0390edebecb032a4d4a05706790.txt new file mode 100644 index 0000000000000000000000000000000000000000..a9db066939b59fb7665d1ce6c4319ddf013b8477 --- /dev/null +++ b/chunks/txt/c87c1866b5c3729f4b1890eda1115547d546d0390edebecb032a4d4a05706790.txt @@ -0,0 +1,139 @@ +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +386 + +2 + +124 + +SALES +COMPARISON +APPROACH + +Indicated Value by: +Sales Comparison +Approach $ + +Value Indicated By +Sales Comparison +Approach Amount + +The dollar value of the subject +property indicated by the Sales +Comparison approach. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/@ValueIndi +catedBySalesComparisonApproachAmount + +12 + +Money + +387 + +2 + +125 + +RECONCILIATION + +Indicated Value by: +Sales Comparison +Approach $ + +Value Indicated By +Sales Comparison +Approach Amount + +The dollar value of the subject +property indicated by the Sales +Comparison approach. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/@ValueIndi +catedBySalesComparisonApproachAmount + +12 + +Money + +126 + +RECONCILIATION + +Indicated Value by: +Sales +Cost Approach (if +developed) $ + +Value Indicated By +Cost Approach +Amount + +The dollar value of the subject +property indicated by the Cost +Approach method of property +valuation. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS/@ValueIndicated +ByCostApproachAmount + +12 + +Money + +388 + +389 + +390 + +2 + +2 + +2 + +127 + +RECONCILIATION + +Indicated Value by: +Sales +Income Approach (if +developed) $ + +Value Indicated By +Income Approach +Amount + +The dollar value of the subject +property indicated by the Income +Approach method of property +valuation. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/INCOME_ANALYSIS/@ValueIndica +tedByIncomeApproachAmount + +12 + +Money + +PDF Display Format: +Whole dollars only + +128 + +RECONCILIATION Comment Area + +Valuation +Reconciliation +Summary Comment diff --git a/chunks/txt/c87d2e7430b1648bd83812285884165bdc7307a07ec5021ed75754cefde84392.txt b/chunks/txt/c87d2e7430b1648bd83812285884165bdc7307a07ec5021ed75754cefde84392.txt new file mode 100644 index 0000000000000000000000000000000000000000..39573c35c7007c2fe13a09fdd940ef9bd1a5b39f --- /dev/null +++ b/chunks/txt/c87d2e7430b1648bd83812285884165bdc7307a07ec5021ed75754cefde84392.txt @@ -0,0 +1,39 @@ +project name and associated CPM ID. + +▪ When the project match occurs using the CPM ID, a message will be issued specifying the project name. + +▪ When the project match occurs based on the project name, and there are multiple projects with similar names in + +CPM, a message will be issued specifying the project name that is the closest match. + +▪ DU will also issue a message when a match to a project cannot be found. This message will instruct the lender to + +request that the project be added to CPM, or to provide the CPM ID and resubmit the loan casefile to DU. + +Note: When neither the CPM ID nor the complete address with a project name are provided, DU will not attempt to contact +CPM. A message will be issued reminding the lender that for DU to determine the project in which the property is located, the +CPM ID or the project name and complete property address must be provided. + +CPM Information + +When a match to a project in CPM is found, DU will issue messaging regarding the status of the project in CPM, and the eligibility +of the project and transaction based on information returned by CPM. + +© 2025 Fannie Mae. + +3.19.25 + +1 of 4 + +Status Information + +DU will return the following Fannie Mae status messages: + +▪ Approved by Fannie Mae: The message will specify that the project has an Approved by Fannie Mae status and that + +the lender must validate that the project and unit have the required insurance coverage. + +Note: Loans that receive a CPM Approved by Fannie Mae status message in DU will retain the Approved by Fannie Mae status +up to the credit report expiration date specified on the DU Underwriting Findings report. If the lender changes the CPM ID, +project name, address (state or zip code), or credit report in DU, the project eligibility status may change and result in the +loss of the CPM Approved by Fannie Mae status message. diff --git a/chunks/txt/c87fc06f9ed3f293e2d12ddaa4f3221022b28d116bbb7362023074b7c0c8a21b.txt b/chunks/txt/c87fc06f9ed3f293e2d12ddaa4f3221022b28d116bbb7362023074b7c0c8a21b.txt new file mode 100644 index 0000000000000000000000000000000000000000..4f5b939419ef15b5b2b9e492fd170fb027166dad --- /dev/null +++ b/chunks/txt/c87fc06f9ed3f293e2d12ddaa4f3221022b28d116bbb7362023074b7c0c8a21b.txt @@ -0,0 +1,96 @@ +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Appendix F-1: URAR Reference Guide + +Page 72 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Easement + +04 Site + +Easements affecting the subject property are identified in this subsection. The appraiser must identify +easements granted by neighboring properties to the subject property, in addition to any easements granted by +the subject property to a neighboring property. Use the most appropriate description from the list provided. + +There is one row in the Site Features table for each Easement. If there are no easements, this row does not +display. + +Report +Field ID + +Report Label + +When to Include + +4.054 +4.055 + +Easement +(Detail) + +If applicable + +4.056 + +Easement +(Impact) + +Required for each +easement + +4.057 + +Easement +(Comment) + +Required for each +easement if Impact is +Adverse or Beneficial, +or as needed + +Encroachment + +Site: Site Features - Easement + +Allowable +Answers / Format + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Adverse, +Beneficial, or +Neutral + +Free-form + +Definition / Additional Guidance + +Easement: A nonpossessory right to cross or otherwise use a portion of another +property for a specified purpose. +• +• +• +• +• +Note: Do not report easements that are typical or common to the market. + +Conservation +Drainage +Ingress/Egress +Utility (other than typical property utility easements) +Other (Describe) + +When Adverse or Beneficial, describe the impact to value and / or +marketability. Additional commentary may be provided to include details and +other information, including if the easement is on a neighboring property. diff --git a/chunks/txt/c889745aae95b0aad95c5e4e82e7ab80a6128ec33b046963e198257f6b92f2f4.txt b/chunks/txt/c889745aae95b0aad95c5e4e82e7ab80a6128ec33b046963e198257f6b92f2f4.txt new file mode 100644 index 0000000000000000000000000000000000000000..e191ea7997c29361938ed06330958ff5dd03e1ad --- /dev/null +++ b/chunks/txt/c889745aae95b0aad95c5e4e82e7ab80a6128ec33b046963e198257f6b92f2f4.txt @@ -0,0 +1,71 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix C‐2: Restricted Appraisal Update Report with Report Field IDs +Document Version 1.2 +September 17, 2024 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal +Housing Finance Agency. +© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Revision History + +Date + +9/17/2024 + +Version +Number +1.2 + +12/12/2023 + +1.1 + +3/29/2023 + +1.0 + +Introduction + +Report Section + +Change # + +Revision Description + +Footer +Footer +Certifications +and Scope of +Work + +2024‐028 +2023‐061 + +2023‐003 + +Updated date in Footer (HF.004) to September 2024. +Updated date in Footer (HF.004) to December 2023. +Updated predefined text for Scope of Work (05.001) and all Supervisory +Appraiser Certifications (05.033‐036, 05.048‐051). +Clarified that Contact Name(s) (05.025) display for Appraiser Certification 13. +Initial publication + +The purpose of this document is to show all possible Report Labels that may display on the Restricted +Appraisal Update Report, regardless of conditionality. This is not intended to represent a realistic report +as an appraisal update will never contain all of the available fields in one report. The red superimposed +numbers are Report Field IDs. + +Term +Report Label +Report Field ID (FID) + +Definition +The name of the field as shown on the Restricted Appraisal Update Report. +A red number identifying the specific location of the field on the Restricted Appraisal Update Report. Report Field ID +(FID) is also referenced in: + + + diff --git a/chunks/txt/c88d31216f7beed13308800e890d1477eda2f834f0fefeea9de3cd284c42f066.txt b/chunks/txt/c88d31216f7beed13308800e890d1477eda2f834f0fefeea9de3cd284c42f066.txt new file mode 100644 index 0000000000000000000000000000000000000000..677665befa80663dfc9db5b16e27169cdd9b4cbc --- /dev/null +++ b/chunks/txt/c88d31216f7beed13308800e890d1477eda2f834f0fefeea9de3cd284c42f066.txt @@ -0,0 +1,97 @@ +Page 16 of 30 +Page 16 of 30 + +Overall Quality and Condition + +Overall Quality + +Exterior Quality +Interior Quality + +Q4 +Q4 +Q4 + +Overall Condition + +Exterior Condition +Interior Condition + +C1 +C1 +C1 + +Reconciliation of Overall Quality and Condition + +The building is a standard building plan with standard grade building materials. + +Highest and Best Use + +Is the present use of the subject property ... + +Legally Permissible +Physically Possible + +Yes +Yes + +Financially Feasible +Maximally Productive + +Yes +Yes + +Yes No +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?   + +Highest and Best Use Commentary + +The property is outside the city limits and all types of single family development is allowed. + +Market + +Market Area Boundary Bounded on the East by FM - 2222; bounded on the South by County Road 4000; bounded on the West by Lake +Virginia; bounded on the North by County Road 1000 + +Search Criteria Description Search was limited by lot sizes between 25,000 Sq. Ft. and 10 acres. Other limiting factors in the search included +Year Built (2000+), Double Wide Manufactured Homes, and Water Front. + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +10 +60 +$95,000 +$450,000 +$600,000 +4 + +Sales in Past 24 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph +Price Trend Source + +17 +$200,000 +$404,000 +$620,000 +Yes +Price Trend +Local MLS +Alpine Gazette + +Price Trend Analysis Commentary The Alpine Gazette is a local print media that reports non-MLS home sales and listings. The data includes +information from both sources, which indicate an overall increase in property values. diff --git a/chunks/txt/c89dad4d6510b0997f6eed37e9f28075cc894fff304c2c2ee99c8548ea3cfd8c.txt b/chunks/txt/c89dad4d6510b0997f6eed37e9f28075cc894fff304c2c2ee99c8548ea3cfd8c.txt new file mode 100644 index 0000000000000000000000000000000000000000..2a29ff6e69bc2f7b8cbd7cc7eca7fa1a5efdbf2e --- /dev/null +++ b/chunks/txt/c89dad4d6510b0997f6eed37e9f28075cc894fff304c2c2ee99c8548ea3cfd8c.txt @@ -0,0 +1,7 @@ +If you have questions about this Integration Impact Memo or if you require support specific to this release, contact Integration +Support. For more information about the DU validation service, visit the DU validation service page or contact your Fannie Mae +representative. + +© 2024 Fannie Mae + +4 of 4 diff --git a/chunks/txt/c89f3b6f7ee34092c8c13631af2fa97be1b7cbaa1dcbe88ca374b0397157f0e3.txt b/chunks/txt/c89f3b6f7ee34092c8c13631af2fa97be1b7cbaa1dcbe88ca374b0397157f0e3.txt new file mode 100644 index 0000000000000000000000000000000000000000..e2496e22a7de22fd0f9124cf226e55cb34a2c895 --- /dev/null +++ b/chunks/txt/c89f3b6f7ee34092c8c13631af2fa97be1b7cbaa1dcbe88ca374b0397157f0e3.txt @@ -0,0 +1,129 @@ +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_State + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_PostalCode + +Contact Point +Value + +Contact Point +Value + +This is the actual value (Phone, Fax, E- +Mail, Other) of the Contact Point Type. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETAIL/CO +NTACT_POINT[@_Type=‘Phone’]/@_Value + +This is the actual value (Phone, Fax, E- +Mail, Other) of the Contact Point Type. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETAIL/CO +NTACT_POINT[@_Type=‘Email’]/@_Value + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Date of Signature + +Supervisor Report +Signed Date + +Indicates the date the supervisor signed +the report. + +/VALUATION_RESPONSE/REPORT/@SupervisorReportSignedDate + +528 + +6 + +34 + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +State Certification # + +Appraiser License +Identifier + +State license number of the appraiser who +completed the final estimate of value for +the subject property. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE[ +@_Type=‘Certificate’]/@_Identifier + +529 + +530 + +6 + +6 + +35 + +36 + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +or State License # + +Appraiser License +Identifier + +State license number of the appraiser who +completed the final estimate of value for +the subject property. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE[ +@_Type=‘License’]/@_Identifier + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +State + +Appraiser License +State + +The state in which the appraiser is +licensed. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE/ +@_State + +25 + +25 + +45 + +45 + +2 + +10 + +50 + +50 + +10 + +50 + +25 + +2 + +Data Point Field +Length + +Format diff --git a/chunks/txt/c8a3ddd40d37d8f054b9151072599c828ab1d8351073188e870d261c5665a5f3.txt b/chunks/txt/c8a3ddd40d37d8f054b9151072599c828ab1d8351073188e870d261c5665a5f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..546b80da1ab94b62cf9272dd32b6ebec6fe27910 --- /dev/null +++ b/chunks/txt/c8a3ddd40d37d8f054b9151072599c828ab1d8351073188e870d261c5665a5f3.txt @@ -0,0 +1,65 @@ +Example of Document Level Results for All Report Types – Freddie Mac + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +Submission Findings Results + +Submission Findings Results are included within the Document Level Results of each appraisal report submission and +present the findings specific to that submission. + +Loan Metadata + +Document File ID + +Appraisal [1, 2, or 3] - URAR + +Update or Completion Report + +Document Level Results + +Submission Findings Results + +Document Level Results + +Submission Findings Results + +Update or Completion Report + +Document Level Results + +Submission Findings Results + +Severity Ratings + +Severity indicates the level of impact and guides how urgently each finding should be addressed. While not all findings may +be cleared from the SSR, all findings should be reviewed and considered. + +Definition + +Appears on +[FNM, FRE, Both] * + +Severity +Rating + +Fatal + +Severe + +Warning + +These findings will cause the Document File Status and Document Status +to be “Not Successful.” The only way to clear a Fatal severity finding is to +change the underlying data and resubmit a corrected appraisal report file. + +These findings indicate the collateral representation and warranty relief for +property value eligibility decision is impacted. Message(s) should be +reviewed, and action may need to be taken; however, these findings will +not impact the Document File Status or Document Status. + +These findings signal that an issue has been found that should be reviewed +and action may need to be taken; however, these findings will not impact +the Document File Status or Document Status. diff --git a/chunks/txt/c8a42eca2dbd7f11b746ea7434a126abc47dc03e1cfc184e3eefe5bf49620e0f.txt b/chunks/txt/c8a42eca2dbd7f11b746ea7434a126abc47dc03e1cfc184e3eefe5bf49620e0f.txt new file mode 100644 index 0000000000000000000000000000000000000000..14bb6dffb6ae9f715cbd1583e6dd636210b8ba7e --- /dev/null +++ b/chunks/txt/c8a42eca2dbd7f11b746ea7434a126abc47dc03e1cfc184e3eefe5bf49620e0f.txt @@ -0,0 +1,201 @@ +Flooring + +FullyUpdated + +NewOrLikeNew + +WallsAndCeiling + +EightFeet + +Flat + +Vaulted + +AboveGrade + +1568 + +LevelOne + +0 + +0 + +0 + +0 + +0 + +1568 + +0 + +false + +3 + +2 + +0 + +C2 + +Q3 + +1 + +Metal plumbing fixtures + +FullyUpdated + +false + +OwnerOccupied + +LevelOne + +LaundryRoom + +Primary Bedroom + +\\Images\MH2_Bedroom_1.jpg + +image/jpeg + +LevelOne + +Bedroom + +Bedroom 2 + +\\Images\MH2_Bedroom_2.jpg + +image/jpeg + +LevelOne + +Bedroom + +Bedroom 3 + +\\Images\MH2_Bedroom_3.jpg + +image/jpeg + +LevelOne + +Bedroom + +\\Images\MH2_Dining_Room.jpg + +image/jpeg + +LevelOne + +DiningRoom + +Bath 2 + +\\Images\MH2_Bath_2.jpg + +image/jpeg + +LevelOne + +NewOrLikeNew + +Metal plumbing fixtures + +FullBathroom + +OneToFiveYears + +FullyUpdated + +Primary Bath + +\\Images\MH2_Bath_1.jpg + +image/jpeg + +LevelOne + +NewOrLikeNew + +Metal plumbing fixtures + +FullBathroom + +OneToFiveYears + +FullyUpdated + +\\Images\MH2_Living_Room.jpg + +image/jpeg + +LevelOne + +NewOrLikeNew + +All appliances are Energy Star® Rated, countertops are solid surface. + +Energy Star appliances and wood cabinets + +Kitchen + +OneToFiveYears + +FullyUpdated + +\\Images\MH2_Living_Room.jpg + +image/jpeg + +LevelOne + +LivingRoom + +Ranch + +Manufactured + +SiteBuilt + +The subject has an actual age of 2 years and was manufactured, and installed on site, in 2020. Effective age is estimated at 1-5 years. + +5 + +1 + +45 + +Aluminum + +SyntheticStone + +NewOrLikeNew + +ExteriorWallsAndTrim + +PouredConcrete + +CrawlSpace + +NewOrLikeNew + +The subject has a crawl space set on a poured concrete perimeter footer. + +Foundation + +OneToTenYears + +true + +Asphalt + +The roof was installed at manufacturing and installation/set-up 2 years ago and is in like new condition. + +NewOrLikeNew diff --git a/chunks/txt/c8b6f96b935ca5df20874bd79a45b863017d7ce66794975878da164fc7f978f1.txt b/chunks/txt/c8b6f96b935ca5df20874bd79a45b863017d7ce66794975878da164fc7f978f1.txt new file mode 100644 index 0000000000000000000000000000000000000000..a171a1ff45a5969587539b21ebbc471a92245b51 --- /dev/null +++ b/chunks/txt/c8b6f96b935ca5df20874bd79a45b863017d7ce66794975878da164fc7f978f1.txt @@ -0,0 +1,65 @@ +IV. Duty To Serve Geographic +Indicators Added to the PUDB + +FHFA’s Order revises the PUDB + +single-family and multifamily matrices +to add in the Census Tract Files +geographic indicators that correspond to +regions of focus under the Duty to Serve +program.177 The geographic identifiers +include codes for Rural, Lower +Mississippi Delta, Middle Appalachia, + +170 12 CFR 1003.4(a)(1)(ii). +171 84 FR at 660. +172 12 CFR 1003.4(a)(9)(i). +173 84 FR at 663. +174 12 CFR 1003.4(a). +175 84 FR at 665. +176 Official Interpretations, comment 2(n)–2. +177 12 CFR part 1282, subpart C. + +Persistent Poverty County, Area of +Concentrated Poverty, and High +Opportunity Area. These codes will not +flag individual loans purchased by the +Enterprises that actually qualified for +Duty to Serve credit, but rather whether +the mortgage property is located in one +of these geographical areas that the Duty +to Serve regulation identifies for +Enterprise efforts. + +Since the geographic indicators can +already be derived from the census tract +disclosed in the PUDB Census Tract +Files and other public data, they will +not introduce any new privacy or +proprietary data concerns, nor will they +necessitate any additional reporting by +the Enterprises. + +The Safety and Soundness Act +provides that the Director shall make +the required PUDB data elements public +in forms useful to the public.178 Adding +the geographic indicators in the PUDB +will provide greater transparency to the +public about the Enterprises’ Duty to +Serve activities. + +V. Order + +For the convenience of the affected + +parties, and the public, the Order is +recited below in its entirety. The Order +is also available for public inspection +and copying at FHFA’s Freedom of +Information Act (FOIA) Reading Room +at https://www.fhfa.gov/AboutUs/ +FOIAPrivacy/Pages/Reading-Room.aspx +by clicking on ‘‘Click here to view +Orders’’ under the Final Opinions and +Orders heading. diff --git a/chunks/txt/c8c7262b3d6d296d08b9e72e0f177c4fc739f5ceaaf9ec53b25bb690b81eb02e.txt b/chunks/txt/c8c7262b3d6d296d08b9e72e0f177c4fc739f5ceaaf9ec53b25bb690b81eb02e.txt new file mode 100644 index 0000000000000000000000000000000000000000..a3bc5169d3bafe6b038eef24325ae6167713247c --- /dev/null +++ b/chunks/txt/c8c7262b3d6d296d08b9e72e0f177c4fc739f5ceaaf9ec53b25bb690b81eb02e.txt @@ -0,0 +1,130 @@ +Zoning Compliance + +Legal Nonconforming + +Site Built +Detached + +Overall Quality +Overall Condition + +Q5 +C4 + +Yes No +  +  +  +  +  + +Yes No +  + +This is where the Subject Property photo would display. + +Apparent Defects, Damages, Deficiencies Requiring Action + +There are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section. + +Appraiser Reference ID 12345HIClient Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242-to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 2 of 29 +Page 2 of 29 + +NEW PG + +Assignment Information + +Assignment Reason +Borrower Name +Seller Name +Current Owner of Public Record + +Purchase +Betty Borrower +Sydney Seller +Sydney Seller + +Property Valuation Method + +Traditional Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Yes No +  + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraiser + +Name +Company Name +Company Address + +Random National Bank +123456 Main St +Nowhere, NE 98765 + +Tom Appraiser +Arthur Appraiser Appraisals +98765 Holiday Hwy +Surfside, HI 12345 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Physical +Physical +10/05/2019 + +Credentials + +Level +ID +State +Expires + +Supervisory Appraiser + +Name +Designation +Company Name +Company Address + +Arthur Appraiser +ASA +Arthur Appraiser Appraisals +98765 Holiday Hwy +Surfside, HI 12345 + +Credentials + +Level +ID +State +Expires + +Scope of Inspection by Supervisory Appraiser + +Subject Property Inspection + +Exterior +Interior + +No Inspection +No Inspection diff --git a/chunks/txt/c8d3c2ccdb9d0692b7126aaacb128898e0ff6bdb2643fbceb523b579470bbb71.txt b/chunks/txt/c8d3c2ccdb9d0692b7126aaacb128898e0ff6bdb2643fbceb523b579470bbb71.txt new file mode 100644 index 0000000000000000000000000000000000000000..d7fb4971c9ef8f7689b50ec345178addaa0cb95a --- /dev/null +++ b/chunks/txt/c8d3c2ccdb9d0692b7126aaacb128898e0ff6bdb2643fbceb523b579470bbb71.txt @@ -0,0 +1,112 @@ +Report +Field ID + +3.004 + +Report Label + +When to Include + +Attachment +Type + +Always required + +Allowable +Answers / Format + +Choose an +allowable answer +from table +(Attachment Type) + +Definition / Additional Guidance + +Type of attachment to a neighboring property. +• +• + +Attached +Detached + +3.005 + +Units Excluding +ADUs + +Always required + +Number + +Number of separate living units on the subject property, not counting any +ADUs. ADUs are entered in a separate field (3.006) but are considered in the +overall unit count. +Examples: +• + +A single-family property (with or without an ADU) is reported as 1 unit in +this field. +A three-unit property (with or without an ADU) is reported as 3 units in +this field. + +• + +Notes: +• + +• + +2- to 4-unit properties are identified using Units Excluding ADUs between +2 and 4. +This data point is for the number of units in the subject property only. The +number of units in a project is reported as Total Units (18.006) in the +Project Information section, and not here. + +3.006 + +Accessory +Dwelling Units + +Always required + +Number + +Number of ADUs on Subject Property +Notes: +• +• + +Enter zero (0) if there are no ADUs on the property. +ADUs may be in the dwelling, attached to the dwelling, or associated with +a separate building (outbuilding). + +Appendix F-1: URAR Reference Guide + +Page 49 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +03 Subject Property + +Report +Field ID + +3.007 + +Subject Property: Attachment Type and Number of Units, ADUs, and Dwellings + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Dwellings +Containing Units + +Always required diff --git a/chunks/txt/c8de6c2c6ba62d30773b735698d7a4bcd271efc6fa15a10504a4c4577da3cf5a.txt b/chunks/txt/c8de6c2c6ba62d30773b735698d7a4bcd271efc6fa15a10504a4c4577da3cf5a.txt new file mode 100644 index 0000000000000000000000000000000000000000..7fc9991739a4cc7f60481333ed56428897066166 --- /dev/null +++ b/chunks/txt/c8de6c2c6ba62d30773b735698d7a4bcd271efc6fa15a10504a4c4577da3cf5a.txt @@ -0,0 +1,91 @@ +299 + +2 + +53 + +SALES +COMPARISON +APPROACH + +Sale or Financing +Adjustment +(Line 1) + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the +property feature identified by Sale +Price Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Sal +esConcessions']/@_Amount + +300 + +2 + +e-26 + +SALES +COMPARISON +APPROACH + +Concessions +(Line 2) + +GSE Financing Type + +The type of financing associated with +the comparable transaction. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/COMPARISON_DETAIL_EXTENSION/CO +MPARISON_DETAIL_EXTENSION_SECTIO +N[@ExtensionSectionOrganizationName='UNIF +ORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEFinancingType + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +4 + +String + +Must provide a whole number or 'Unk' if not known. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +35 + +String + +17 + +Enumerated + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The allowable values are listed below. When representing these values in the +XML file, they must be shown exactly as they appear below: + +Allowable Values PDF Display + Comp Grid Page 1 +REOSale REO REO sale +ShortSale Short Short sale +CourtOrderedSale CrtOrd Court ordered sale +EstateSale Estate Estate sale +RelocationSale Relo Relocation sale +NonArmsLengthSale NonArm Non-arms length sale +ArmsLengthSale ArmLth Arms length sale +Listing Listing * diff --git a/chunks/txt/c8e35dc53ecc2085341db9eba398913148b8d4e526360cfb152dad7edc7e29ba.txt b/chunks/txt/c8e35dc53ecc2085341db9eba398913148b8d4e526360cfb152dad7edc7e29ba.txt new file mode 100644 index 0000000000000000000000000000000000000000..0665249f45aa71cf1028001b7a2381b668d099ce --- /dev/null +++ b/chunks/txt/c8e35dc53ecc2085341db9eba398913148b8d4e526360cfb152dad7edc7e29ba.txt @@ -0,0 +1,84 @@ +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field indicates the number of finished bathrooms in the basement. + +3 + +Numeric + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +PDF Display Format: +Full Bath Count.Half Bath Count +n.n + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This field indicates the number of other finished rooms in the basement. + +1 + +Numeric + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +PDF Display Format: +Numeric, 1-digit + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +20 + +String + +This is a free text field which should describe the functional utility. + +This field is required if the value of field e-19 +(GSE Below Grade Finish Square Feet +Number) is greater than zero. + +CR + +CR + +CR + +This field is required if the value of field e-19 +(GSE Below Grade Finish Square Feet +Number) is greater than zero. + +CR + +CR + +CR + +The sum of this field 2-84 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, +2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-86, 2- +88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must +add up to Net Adjustment field 2-103. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +The sum of this field 2-86 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, +2-71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2- +88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must +add up to Net Adjustment field 2-103. diff --git a/chunks/txt/c8e7904dc34f0ceaf6a7605e40a76431f457c4300d83ee120ad238e459bdb2f3.txt b/chunks/txt/c8e7904dc34f0ceaf6a7605e40a76431f457c4300d83ee120ad238e459bdb2f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..517b1dc0c9dac0f761259c58913d0a30e1140637 --- /dev/null +++ b/chunks/txt/c8e7904dc34f0ceaf6a7605e40a76431f457c4300d83ee120ad238e459bdb2f3.txt @@ -0,0 +1,48 @@ +LoanAmortizationPeriodType: The duration of time used to define the + +period over which the loan is amortized. + +A loan amortized over 30 years would have a +LoanAmortizationPeriodCount of “360” and a LoanAmortizationPeriodType +of “Month.” + +LoanMaturityPeriodCount: The scheduled number of periods (as defined by + +Loan Maturity Period Type) after which a debt will mature. + +LoanMaturityPeriodType: The unit of time used for defining the period over + +which the loan matures. + +A 15-year loan would have a LoanMaturityPeriodCount of “180” and a +LoanMaturityPeriodType of “Month.” + +Notes: The GSEs consistently use the valid value of “Month” or “Monthly” + +throughout the ULDDS for PeriodType. The exception to this rule is +the use of “Biweekly” for Biweekly loans and “Day” for Daily Simple +Interest loans. + +ii. Amount / Type / Source: One or both of the GSEs require data points that + +can be identified by a dollar amount, the medium used to convey the amount, +and the source providing the amount. All three of these data points must be +provided to properly communicate information about these funds. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 16 of 76 + +Section III. Using the MISMO v3.0 Logical Data Dictionary + +Example III-9. Using Amount/Source/Type Data Points for Loan Delivery. + +ClosingCostContributionAmount: The dollar amount of the individual Closing + +Cost Funds Type. + +ClosingCostFundsType: Specifies the general names (type) of items commonly + +used as payment for the closing costs in a mortgage loan transaction. diff --git a/chunks/txt/c8e7ae362ee192b3db5466936e58945c761d989b183a29217d7b85a2dd7cf4b8.txt b/chunks/txt/c8e7ae362ee192b3db5466936e58945c761d989b183a29217d7b85a2dd7cf4b8.txt new file mode 100644 index 0000000000000000000000000000000000000000..37e581f1649fb3196acbeba3265739fa8ee86072 --- /dev/null +++ b/chunks/txt/c8e7ae362ee192b3db5466936e58945c761d989b183a29217d7b85a2dd7cf4b8.txt @@ -0,0 +1,69 @@ +UCD v2.0 Implementation Guide + +- 75 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 52. XML Snippet-Example of Projected Payments Table Year Range Data. + +18081363 + +entAmount> + +0.00 +1452 + +1007 + + + + +… + + +UCD v2.0 Implementation Guide + +- 76 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +K. MISCELLANEOUS AND SECTION HEADING DATA + +1. MISCELLANEOUS DATA +The INTEGRATED_DISCLOSURE_DETAIL container holds several data points that are unrelated outside of the fact they all +appear on the CD: two for first year escrowed and non-escrowed property costs, one to indicate a subject home equity loan +and one to provide the CD disclosure date. + +Table 40. XML File Container Structure for Miscellaneous and Section Heading Data. + +UCD UIDs + +Containers + +CD Section Supported + +999.133 + +INTEGRATED_DISCLOSURE_DETAIL + +Holds miscellaneous data points supporting CD fields or calculations. + +a. Home Equity Loan Data + +If the subject loan is a home equity loan, the value of IntegratedDisclosureHomeEquityLoanIndicator is “true” and “Home diff --git a/chunks/txt/c8eb6f43d46b14d4b365d6fcffac5b2c210df38762dc1c6afa64d82b23f157e8.txt b/chunks/txt/c8eb6f43d46b14d4b365d6fcffac5b2c210df38762dc1c6afa64d82b23f157e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d86ec60b6284de882aba40e30003403a8d25f6e --- /dev/null +++ b/chunks/txt/c8eb6f43d46b14d4b365d6fcffac5b2c210df38762dc1c6afa64d82b23f157e8.txt @@ -0,0 +1,33 @@ +Desktop Underwriter Validation Service +Release Notes + +Feb. 22, 2021 +During the weekend of April 17, 2021, Fannie Mae will implement an update to the Desktop Underwriter® (DU®) validation service, +which will include the changes described below. Unless specified below, these changes will apply to conventional loan casefiles +created on or after Nov. 2, 2020 and submitted or resubmitted to DU after the April update. + +The changes in this release include the following: + + Message change when employer name in DU is not matched to employer in the Income and Employment Verification + +Report (VOI/E) + + Asset validation changes + DU validation service message changes + +Message change when employer name in DU is not matched to employer name on the +Employment and Income Verification Report +When the employer name in DU does not match the employer name on the VOI/E report, the DU validation service returns a +message with the employer name from the VOI/E report listed as “Missing.” + +In order to provide more details about what is observed in the VOI/E report, this message will be updated as follows: + +• The employer name(s) observed in the VOI/E report will be displayed, instead of the word “Missing”, and +• The reason given for employment not being validated will be provided. + +Asset validation changes + +Asset validation when gift funds exist +Currently, when a Verification of Assets (VOA) report has been obtained by DU, and gift funds are entered in DU, the DU validation +service will not attempt to validate assets. In these cases, DU will issue a message indicating that the loan is not eligible for asset +validation because the loan includes a gift. diff --git a/chunks/txt/c8ed94fd95a5fdf45cadd874be7f58c09cacd202fa5bdd558223ad04c46196f6.txt b/chunks/txt/c8ed94fd95a5fdf45cadd874be7f58c09cacd202fa5bdd558223ad04c46196f6.txt new file mode 100644 index 0000000000000000000000000000000000000000..3d11e424daee5085440f3c3f32d0feb49c821e7c --- /dev/null +++ b/chunks/txt/c8ed94fd95a5fdf45cadd874be7f58c09cacd202fa5bdd558223ad04c46196f6.txt @@ -0,0 +1,79 @@ +Characteristics and Trends + +Property Valuation +• Appraised Value +• Contract Price +• Appraisal Value to Contract Price + +Ratio + +Property Information +• Lot Size +• Gross Living Area +• Number of Bedrooms +• Number of Bathrooms +• Quality of Construction Rating +• Condition Rating +• Updated Within Last 15 Years + +Comparable Properties +• Num of Comps Used +• Average Proximity of Comps +• Average Adjusted Sale Price of Comps +• Average and Median Adjustments + +Disclosure avoidance implemented + +4 + +Data Summary 1 + +5 + +Data Summary 2 + +6 + +Data Summary 3 + +7 + +Data Summary 4 + +8 + +Data Summary 5 + +9 + +Data Summary 6 + +10 + +Data Summary 7 + +11 + +Data Summary 8 + +12 + +Data Summary 9 + +13 + +Data Summary 10 + +14 + +Data Summary 11 + +15 + +Data Summary 12 + +16 + +Data Summary 13 + +17 diff --git a/chunks/txt/c8f108a63dfac1ff3da4e0f5d02b92002e11c18512880fc2884f0e65cd0a2f3b.txt b/chunks/txt/c8f108a63dfac1ff3da4e0f5d02b92002e11c18512880fc2884f0e65cd0a2f3b.txt new file mode 100644 index 0000000000000000000000000000000000000000..b9d5722abc813ea3b9fef0e9d71908b790595048 --- /dev/null +++ b/chunks/txt/c8f108a63dfac1ff3da4e0f5d02b92002e11c18512880fc2884f0e65cd0a2f3b.txt @@ -0,0 +1,64 @@ +See the sections A. Contact Table Relationships in the UCD File and A. Borrower and Seller +Relationships to Signature Line. + +Users familiar with other Uniform Mortgage Data Program (UMDP) datasets are used to XML +XPaths starting with “MESSAGE/DEAL_SETS/…..” Because the UCD specifies that a PDF copy of +the Closing Disclosure(s) be included in the XML file along with the data points populating the +Closing Disclosure, the XPath must move from MESSAGE through DOCUMENT_SETS to indicate +that a document is embedded in the XML file: +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/ …. + +Appendix E: UCD Implementation Guide + +Page 250 of 254 + +Version 1.4 + +Uniform Closing Dataset + +VI. GLOSSARY + +Term + +Appendix E + +Appendix H + +Appendix I + +ARM + +ATR + +VI. Glossary + +Definition + +Uniform Closing Dataset Specification – Appendix E: UCD Implementation Guide + +Uniform Closing Dataset Specification – Appendix H: UCD Delivery Specification (.pdf +version) + +Uniform Closing Dataset Specification – Appendix I: UCD Delivery Specification (.xls +version) + +Adjustable Rate Mortgage + +Ability to Repay Rule, part of Regulation Z. A lender must make a good-faith effort to +determine that a borrower is able to repay a mortgage before taking it on. In practice this +means lenders must generally find out, consider, and document a borrower’s income, +assets, employment, credit history and monthly expenses. + +CFPB + +Consumer Financial Protection Bureau + +Document Specific +Data + +Data points contained within the DOCUMENT SPECIFIC DATA SETS structure of the v3.3.0 +Reference Model created to support specific business reporting requirements. Their +definitions are driven by the context of and specific usage within the form or document +they are intended to populate. In general, definitions of these data points do not conform +to broader-based industry understanding, so they should not be used outside of the +specific document for which they were designed. diff --git a/chunks/txt/c8f51436e711d91ce5fbd93f0991d62a534ec11fd7fbfb33160eeba24f804bdf.txt b/chunks/txt/c8f51436e711d91ce5fbd93f0991d62a534ec11fd7fbfb33160eeba24f804bdf.txt new file mode 100644 index 0000000000000000000000000000000000000000..222d06f57373e379f52cc46539ff27500af58850 --- /dev/null +++ b/chunks/txt/c8f51436e711d91ce5fbd93f0991d62a534ec11fd7fbfb33160eeba24f804bdf.txt @@ -0,0 +1,168 @@ +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal +Housing Finance Agency. +© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +HDR-L + +TAB + +Subject Property + +TXR-B + +TXR-B + +Physical Address +County +Property Rights Appraised + +Legal Description + +H1 + +TXC + +TAB + +Original Appraisal + +TXR-B + +TXR-B + +Effective Date of Appraisal +Opinion of Market Value +Reasonable Exposure Time + +TAB + +Appraisal Update + +TXR-B + +Effective Date + +2 COLUMN PAGE FORMAT + +HDR-R + +TXR-B +TXR-I +TXR-B + +Appraiser + +Reference ID +Original Lender + +Yes No +Has the market value of the subject property decreased since the effective date of the original appraisal?   + +Y/N + +CK + +H1 + +Appraisal Update Commentary + +TXC + +H1 + +Appraisal Update Exhibits + +TAB + +Assignment Information + +TXR-B + +Borrower Name + +H1 + +Contact Information + +H2 + +[Role]/[Role] + +TXR-I +TXR-I + +Company Name +Company Address + +H2 + +Appraiser + +TXR-I + +TXR-I + +TX-B +TXR-I +TXR-II +TXR-II +TXR-II + +Name +Designation +Company Name +Company Address + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +TXR-B + +TXR-B + +Appraiser Fee +AMC Fee +Government Agency +Investor Requested Special Identification + +Credentials + +TX-B +TXR-I + +TXR-I + +ID +State +Expires + +Credentials + +TX-B +TXR-I + +Level +ID +State +Expires + +TXR-I +TXR-B + +TXR-B + +ASC Identifier +VA Appraiser ID +FHA Appraiser ID +Employment Type + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Restricted Appraisal Update Report Page [Page] of [Pages]Update Version #Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/c8fab29167f9b17ad30535fb82ce4f0cd27ad1e685435acee2c431f0201bee5b.txt b/chunks/txt/c8fab29167f9b17ad30535fb82ce4f0cd27ad1e685435acee2c431f0201bee5b.txt new file mode 100644 index 0000000000000000000000000000000000000000..c17735189200d809b5471edf03e0d78df37a8ee4 --- /dev/null +++ b/chunks/txt/c8fab29167f9b17ad30535fb82ce4f0cd27ad1e685435acee2c431f0201bee5b.txt @@ -0,0 +1,148 @@ +2,905 Sq. Ft. + +2,695 Sq. Ft. + +Vehicle Storage | Spaces + +Driveway | 4 +Garage | 3 + +Similar + +Similar + +Similar + +Similar + +Summary + +Rent Per Finished Area + +Actual Rent + +Overall Comparison +to Subject + +Adjusted Rent + +Opinion of +Market Rent + +$0 + +$0 + +$3,500 + +$1.29 + +$3,500 + +Similar + +$1.28 + +$3,600 + +Similar + +$1.15 + +$3,350 + +Similar + +$1.19 + +$3,200 + +Similar + +$3,500 + +$3,400 + +$3,575 + +$3,525 + +Comparable Weight + +Most + +Most + +Less + +Less + +Rental Analysis Commentary + +Comparables 1 and 2 are from the subject’s community, have the same influences and amenities, and are therefore given the most weight. + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 21 of 24 +Page 21 of 24 + +Rental Information (continued) + +Rental Information Exhibits + +Comparable #1 + +Comparable #2 + +This is where the Rental Comparable 1 photo would display. + +This is where the Rental Comparable 2 photo would display. + +Comparable #3 + +Comparable #4 + +This is where the Rental Comparable 3 photo would display. + +This is where the Rental Comparable 4 photo would display. + +Reconciliation + +Approaches to Value + +Indicated Value + +Reason for Exclusion + +Appraisal Summary + +Contract Price +Opinion of Market Value +Market Value Condition + +Sales Comparison Approach +$900,000 + +Income Approach + +Cost Approach + +Not Necessary for Credible Results + +Not Necessary for Credible Results + +$895,000 +$900,000 +As Is + +Reasonable Exposure Time +Effective Date of Appraisal + +30-90 days +05/23/2018 + +Reconciliation of Market Value + +Utilize this subsection for additional commentary as required by USPAP. diff --git a/chunks/txt/c90ddd591b84a4380e4bc742596407da827eb69c7d0137fdd6af6a25d0333a6b.txt b/chunks/txt/c90ddd591b84a4380e4bc742596407da827eb69c7d0137fdd6af6a25d0333a6b.txt new file mode 100644 index 0000000000000000000000000000000000000000..780ad0c1908eabf517f4c3879cf7d08c9113ef26 --- /dev/null +++ b/chunks/txt/c90ddd591b84a4380e4bc742596407da827eb69c7d0137fdd6af6a25d0333a6b.txt @@ -0,0 +1,111 @@ +8718 Mover Ln +Treeville, VA 12345 + +Sale Date +— + +Status +Active + +— + +Pending + +08/21/2019 + +Settled Sale + +06/02/2019 + +Settled Sale + +07/13/2019 + +Settled Sale + +Reason Not Used +Proximity +Quality + +Comment +Inferior quality and non-similar location + +Proximity +Quality + +Proximity + +Finished Area +Proximity + +Finished Area +Quality + +Superior quality and located further from subject + +Located further from subject + +Had 5 bedrooms, but because it was larger +and farther away, it was not used. + +Property has a media room and wet bar, +but is larger and of superior quality. + +Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 16 of 21 +Page 16 of 21 + +Sales Comparison Approach (continued) + +Check W/KATE- + +NEW PAGE? + +Sales Comparison Map + +This is where the Comparable Sales Map photo would display. + +Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 17 of 21 +Page 17 of 21 + +Sales Comparison Approach (continued) + +Sales Comparison Approach Exhibits + +Comparable #1 + +Comparable #2 + +This is where the Comparable 1 photo would display. + +This is where the Comparable 2 photo would display. + +Comparable #3 + +This is where the Comparable 3 photo would display. + +Reconciliation + +Approaches to Value + +Indicated Value + +Reason for Exclusion + +Appraisal Summary + +Contract Price +Opinion of Market Value +Market Value Condition + +Sales Comparison Approach +$491,000 + +Income Approach diff --git a/chunks/txt/c9115cd0b8476a6d53f74f6f7f96d92f1b623b63bee1c68f319994887d926f35.txt b/chunks/txt/c9115cd0b8476a6d53f74f6f7f96d92f1b623b63bee1c68f319994887d926f35.txt new file mode 100644 index 0000000000000000000000000000000000000000..ca2b8415f652a1f82bd569e00144838ecc516c74 --- /dev/null +++ b/chunks/txt/c9115cd0b8476a6d53f74f6f7f96d92f1b623b63bee1c68f319994887d926f35.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/fhlb-stress-tests" +date_accessed: "2026-01-27T17:54:20.630Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/c913be5b46aeda6c0c3b0e6a5d6d5dac6cf9a524ede96449ad0b7f6d4f231b1c.txt b/chunks/txt/c913be5b46aeda6c0c3b0e6a5d6d5dac6cf9a524ede96449ad0b7f6d4f231b1c.txt new file mode 100644 index 0000000000000000000000000000000000000000..26eeb22b36d77f4c5be711dabc99e55189ace279 --- /dev/null +++ b/chunks/txt/c913be5b46aeda6c0c3b0e6a5d6d5dac6cf9a524ede96449ad0b7f6d4f231b1c.txt @@ -0,0 +1,24 @@ +27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties +including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar +state laws. + +29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +Supervisory Appraiser Certifications + +The Supervisory Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. diff --git a/chunks/txt/c915fe197348f505d2e35b72ffe4553920f58f105d3f37bd79e1179f3450f51b.txt b/chunks/txt/c915fe197348f505d2e35b72ffe4553920f58f105d3f37bd79e1179f3450f51b.txt new file mode 100644 index 0000000000000000000000000000000000000000..c9d914ed6d559c457338bb72124f1909ed2392b9 --- /dev/null +++ b/chunks/txt/c915fe197348f505d2e35b72ffe4553920f58f105d3f37bd79e1179f3450f51b.txt @@ -0,0 +1,15 @@ +[Click here to learn more about Natural Disaster-Related Fraud Schemes and Prevention Tips](/programs/fraud-prevention/natural-disaster). + +## Types of Housing Finance Fraud Schemes + +Understanding the different types of fraud schemes is important to detect mortgage fraud. The below defines types of housing finance fraud schemes. + +#### Prospective Borrower Fraud (fraud committed by borrowers in obtaining mortgage financing for home purchases) + +**Application Fraud**– A borrower may intentionally supply false information about income or identity in support of a mortgage application. These instances of fraud may be related to fraud for housing by a borrower or fraud for profit schemes. + +**Credit/Liabilities** – Mortgage rates and the decision to extend a loan to a borrower are heavily dependent on the applicant’s credit and current debt liabilities. Fraud may include borrower misrepresentation of credit score and/or amount of debt to qualify for a loan or for favorable loan terms. + +**Employment Fraud** – This fraud occurs when a borrower or straw buyer misrepresents his or her employment to the lender. The fraud may be committed to make the borrow appear more financially qualified for the loan or to conceal the illegal source of future loan payments. + +**Fraudulent Identity/Identity Theft/Synthetic Identity** – This fraud occurs when misappropriated identification credentials are used by an individual otherwise ineligible for a mortgage loan or as part of a fraud for profit scheme. Fraudsters may also create synthetic identities using bits and pieces of valid information from disparate sources. diff --git a/chunks/txt/c9181924091e6aeb0ebe1ba5574ebef5113862b74c2a6df59dcb21c72563a294.txt b/chunks/txt/c9181924091e6aeb0ebe1ba5574ebef5113862b74c2a6df59dcb21c72563a294.txt new file mode 100644 index 0000000000000000000000000000000000000000..898b843681c7e2cc792a8d8d0c9aaf0215b4c3be --- /dev/null +++ b/chunks/txt/c9181924091e6aeb0ebe1ba5574ebef5113862b74c2a6df59dcb21c72563a294.txt @@ -0,0 +1,11 @@ +TAB-TX – Italic Text above TAB Rule ................................................................................................................... 22 + +H1-TX – Italic Text in H1 (Gray Bar)..................................................................................................................... 22 + +Appendix E: Report Style Guide + +Page 4 of 90 + +Version 1.4 + +TXC – Commentary Text ..................................................................................................................................... 22 diff --git a/chunks/txt/c91fb8e1ab24856dcea9cb5152dbf3c8f44048f5261e33f56a5fe5df5caca586.txt b/chunks/txt/c91fb8e1ab24856dcea9cb5152dbf3c8f44048f5261e33f56a5fe5df5caca586.txt new file mode 100644 index 0000000000000000000000000000000000000000..1c0e49e7359d7551e4971b6c2da2b4ff6d094d11 --- /dev/null +++ b/chunks/txt/c91fb8e1ab24856dcea9cb5152dbf3c8f44048f5261e33f56a5fe5df5caca586.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/executive-compensation" +date_accessed: "2026-01-27T17:47:55.302Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/c92a802abe2fe5703ba8c7bc6afdffa944ed701cc464fa5e0ffd6110882af277.txt b/chunks/txt/c92a802abe2fe5703ba8c7bc6afdffa944ed701cc464fa5e0ffd6110882af277.txt new file mode 100644 index 0000000000000000000000000000000000000000..44d3f6312545972eb09dd2351c193a1e5371550d --- /dev/null +++ b/chunks/txt/c92a802abe2fe5703ba8c7bc6afdffa944ed701cc464fa5e0ffd6110882af277.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/news/statement" +date_accessed: "2026-01-27T17:47:50.507Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/c95865ece9319a47396bf0721e0ab07d989c0773b9bbb24de919d54ce2376d8f.txt b/chunks/txt/c95865ece9319a47396bf0721e0ab07d989c0773b9bbb24de919d54ce2376d8f.txt new file mode 100644 index 0000000000000000000000000000000000000000..4efdfb03147eafa794274bfd32b44b38a56b7315 --- /dev/null +++ b/chunks/txt/c95865ece9319a47396bf0721e0ab07d989c0773b9bbb24de919d54ce2376d8f.txt @@ -0,0 +1,96 @@ +Rooms Below Grade +(Line 2) + +GSE Below Grade +Recreation Room +Count + +The number of recreation rooms below +grade. + +437 + +3 + +e-22 + +SALES +COMPARISON +APPROACH + +Rooms Below Grade +(Line 2) + +GSE Below Grade +Bedroom Room +Count + +The number of bedrooms below grade. + +438 + +3 + +e-23 + +SALES +COMPARISON +APPROACH + +Rooms Below Grade +(Line 2) + +GSE Below Grade +Bathroom Room +Count + +The number of bathrooms below grade. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEBelowGradeRecreationRoomCount + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEBelowGradeBedroomRoomCount + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEBelowGradeBathroomRoomCount + +6 + +10 + +5 + +5 + +12 + +10 + +1 + +1 + +3 + +Format + +String + +Money + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Specify Above Grade Gross Living Area Only +Gross Living Area (GLA) must be reported in square feet. diff --git a/chunks/txt/c96d62bfe02fc04467cf666128f06ba6c2297f3a64e82d0f15f33aeecc50ce85.txt b/chunks/txt/c96d62bfe02fc04467cf666128f06ba6c2297f3a64e82d0f15f33aeecc50ce85.txt new file mode 100644 index 0000000000000000000000000000000000000000..2299ddc2ae5f3bfe343407787b04f18342658d60 --- /dev/null +++ b/chunks/txt/c96d62bfe02fc04467cf666128f06ba6c2297f3a64e82d0f15f33aeecc50ce85.txt @@ -0,0 +1,49 @@ +See Fannie Mae and Freddie Mac Uniform Appraisal Dataset Specification, Appendix F-1: URAR Reference Guide. + +Listing History + +The appraiser needs to research and report at a minimum, the prior 12 months listing history of the subject property. The +appraiser must report the following information: + +Listing status +Listing type +Listing ID +Start date +End date + +• +• +• +• +• +• Days on market (DOM) +• +Starting list price +• Current or final list price +• + +Total days on market (TDOM) + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 73 of 166 + +UAD 3.6 Policy + +If the subject property is currently or previously listed within the timeframe noted above, the appraiser must provide an analysis +of the subject property listing history and include comments and exhibits. For example, if the subject property is currently listed +for sale and was previously listed eight months ago, the appraiser must report on both offerings. + +Sales Contract + +The lender must provide the appraiser with a copy of the complete, ratified sales contract. The appraiser must indicate whether +an analysis was or was not performed on the sales contract for the subject property purchase transaction. If an analysis was +performed, the appraiser must provide the results of the analysis and include comments and exhibits. If an analysis was not +performed, the appraiser must provide an explanation of why the analysis was not performed and include a description of the +appraiser’s source of information about the sales transaction, efforts made to obtain the sales contract, and why the sales +contract was not provided. + +The appraiser must indicate if there is any financial sales concessions to be paid by or on behalf of the seller as an inducement to +purchase the subject property, including both monetary and non-monetary items, such as any closing costs, down payment +assistance, payment of property taxes, HOA dues for a period of time, and gifts of personal property. If there is financial sales +concessions, the appraiser must diff --git a/chunks/txt/c97300c894d70458add64b331bc6167036405f0467e4b5b908f73fdb2a4e7147.txt b/chunks/txt/c97300c894d70458add64b331bc6167036405f0467e4b5b908f73fdb2a4e7147.txt new file mode 100644 index 0000000000000000000000000000000000000000..9892105fa3f9fe01bdf4dee39737e24afa45fde5 --- /dev/null +++ b/chunks/txt/c97300c894d70458add64b331bc6167036405f0467e4b5b908f73fdb2a4e7147.txt @@ -0,0 +1,104 @@ +o Reference published guidelines by the GSEs, government agencies, or other identified secondary + +market participants for specific guidance as to when a photo or image is required. + +Notes: +• The same photo can be identified and displayed in more than one section. +• Reference the iGuide and UAD Spec for details about how photos are handled in the UAD dataset. + +o Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to + +the iGuide or UAD Spec for more information. +Section +Name +(Black Tab) + +Photo or Image +(Predefined Caption or +Gray Bar) + +Is there an Additional +Caption +(Free-form Text)? + +Is the Photo or Image +Required? + +Additional Guidance + +Yes + +Photo at the top of the section +(identified as Property Photo) + +Section +# + +01 + +07 + +Subject +Property + +Completion +Report +Exhibits + +Legal Description + +Itemized List of Repairs – +Feature +Example: Roof +New Observed Items for +Repair – Feature +Example: Roof + +Completed Construction + +Inconsistent Item – +Feature +Example: Flooring + +Dwelling Front + +Dwelling Rear + +May be provided to further +identify the image + +If Legal Description +01.003 is not provided + +See 01.003 + +May be provided to further +identify the photo or image + +May be provided to further +identify the photo or image + +May be provided to further +identify the photo or image + +May be provided to further +identify the photo or image + +May be provided to further +identify the photo or image +May be provided to further +identify the photo or image + +Yes + +Yes + +If Construction Complete +05.001 is Yes +If Construction Consistent +with Original Plans and +Specs 05.002 is No +If required by client or +scope of work +If required by client or +scope of work diff --git a/chunks/txt/c9732f2e8bd16ac5c25aaad7a5765439974f8e6d0b4bfe9d3bd2ce466df0bc9f.txt b/chunks/txt/c9732f2e8bd16ac5c25aaad7a5765439974f8e6d0b4bfe9d3bd2ce466df0bc9f.txt new file mode 100644 index 0000000000000000000000000000000000000000..b3d1b757cb2f7803227e72c884c8518f22b1a5a3 --- /dev/null +++ b/chunks/txt/c9732f2e8bd16ac5c25aaad7a5765439974f8e6d0b4bfe9d3bd2ce466df0bc9f.txt @@ -0,0 +1,49 @@ + + +
+ +ABC Address + +
+ + 1400 + Current + + + + + +Consulting Inc. + + + +
+ +
123 Address
+ +
+ + true + 950 + Current + + + + Borrower + + + + + + : + : + + + + + + +PayoffsAndPayments + + + + +5322.00 +ClosingCostsFinanced + + + + +true< + +/IntegratedDisclosureCashToCloseItemAmountChangedIndicator> + +See details in Sections K & L< + +/IntegratedDisclosureCashToCloseItemChangeDescription> + +24901.00< + +/IntegratedDisclosureCashToCloseItemEstimatedAmount> + +< IntegratedDisclosureCashToCloseItemPaymentType>ToBorrower< + +/ IntegratedDisclosureCashToCloseItemPaymentType> + +UCD v2.0 Implementation Guide + +- 68 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 48. XML Snippet - Example of Cash to Close Data for a Refinance. + +CashToCloseTotal + + + + +29677.00 +< IntegratedDisclosureCashToCloseItemPaymentType>ToBorrower< + +/ IntegratedDisclosureCashToCloseItemPaymentType> + +CashToCloseTotal diff --git a/chunks/txt/c9c4f46323124584e9acff582862ea280b98bf41d0eba9a96d3a108dffb0214f.txt b/chunks/txt/c9c4f46323124584e9acff582862ea280b98bf41d0eba9a96d3a108dffb0214f.txt new file mode 100644 index 0000000000000000000000000000000000000000..7270fafb6eb2eb6ca6fd6c4c1826f780bb0b2aa7 --- /dev/null +++ b/chunks/txt/c9c4f46323124584e9acff582862ea280b98bf41d0eba9a96d3a108dffb0214f.txt @@ -0,0 +1,114 @@ +• Cost Approach + +o Land Comparables + +▪ Subject’s prior land sale was used as a comparable + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. + +This cover section, including Introduction and Key Characteristics, + +is not part of the URAR. + +Uniform Residential Appraisal Report + +123 ANYWHERE ST, SOMECITY, TN 12345 + +SUMMARY + +Opinion of Market Value + +$275,000 + +Market Value Condition + +As Is + ++.5 li # + +only in + +Summary + +Effective Date of Appraisal +Assignment Reason +Borrower Name + +Current Owner of Public Record + +Listing Status + +Property Description + +Construction Method + +Attachment Type + +03/14/2022 +Refinance +John Doe +Jane Doe +John Doe +Jane Doe +None + +Manufactured +Site Built +Detached + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +Annie Appraiser + +Overall Quality +Overall Condition + +Q3 +C2 + +Yes No +  +  +  +  +  + +Yes No +  + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Legal +Zoning Compliance +HUD Data Plate Attached +Yes +HUD Label Present for All Sections Yes + +Apparent Defects, Damages, Deficiencies Requiring Action + +None + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report diff --git a/chunks/txt/c9c9328c0f0453501bef4e9feb8a5c4a9de9017ded59ccb570dea9b5725f073e.txt b/chunks/txt/c9c9328c0f0453501bef4e9feb8a5c4a9de9017ded59ccb570dea9b5725f073e.txt new file mode 100644 index 0000000000000000000000000000000000000000..046005c42342d498bd2059487072211600872ebe --- /dev/null +++ b/chunks/txt/c9c9328c0f0453501bef4e9feb8a5c4a9de9017ded59ccb570dea9b5725f073e.txt @@ -0,0 +1,58 @@ +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +Is there any financial assistance (loan +charges, sale concessions, gift or down +payment assistance, etc.) to be paid by any +party on behalf of the borrower? +The appraiser must indicate ‘Yes’ or ‘No’ if the +“Assignment Type” is a purchase transaction. +If ‘No’ is selected, enter the numeral zero (0) +in the dollar amount field. + +Reporting Format: +Is there any financial assistance (loan +charges, sale concessions, gift or down +payment assistance, etc.) to be paid by any +party on behalf of the borrower? – Checkbox +designated with an ‘x’ + +If ‘Yes’ is selected, enter the total dollar +amount of all financial assistance (loan +charges, sale concessions, gift or down +payment assistance, etc.) paid by any party +on behalf of the borrower, including any +closing costs or other payments from the +seller or other third party. If the appraiser is +not able to determine a dollar amount for all or +part of the financial assistance, the number +must reflect the total known dollar amount. +Leave this field blank if the entire financial +assistance amount is unknown. If there is any +unknown financial assistance amount, the text +‘There is a financial assistance amount that is +unknown’ will appear in this field. Next, the +appraiser must provide a description of the +items being paid. diff --git a/chunks/txt/c9e3ad7f1545d5dc619ac834c5fd10ef963fd609bf90f0cacaa558440f2d148d.txt b/chunks/txt/c9e3ad7f1545d5dc619ac834c5fd10ef963fd609bf90f0cacaa558440f2d148d.txt new file mode 100644 index 0000000000000000000000000000000000000000..721a4d52cb518232d4b3c608922abbf6ca89051d --- /dev/null +++ b/chunks/txt/c9e3ad7f1545d5dc619ac834c5fd10ef963fd609bf90f0cacaa558440f2d148d.txt @@ -0,0 +1,47 @@ +A member of the Project Standards team reviews the package to determine if the project is eligible for +approval. + +Upon completion of the review, Fannie Mae issues its decision to the lender via email and posts approved +projects on its website. See Condo, Co-op, and Planned Unit Development (PUD) Eligibility for approved +projects listed for each state, the District of Columbia, and the U.S. Virgin Islands. + +Fannie Mae informs the lender of the specific review fee assessed for each PERS submission. Lenders are +billed for PERS review fees in their “Monthly Technology Invoice.” For fees, see the Project Eligibility Review +Service (PERS) Overview on Fannie Mae's website. + +3. + +4. + +5. + +6. + +Fannie Mae reserves the right to request additional documentation it deems necessary to conduct a full review of the project. + +Approval Designations + +Upon completion of its review, Fannie Mae will issue one of the following project approval designations: + +• Conditional Project Approval, +• +Final Project Approval, +• +Ineligible, or +• +Suspension of the Application. + +Loans delivered with a PERS review must have a valid Fannie Mae Final Project Approval prior to delivery. Loans may not be +delivered under the Conditional Project Approval, Ineligible, or Suspension of the Application designations. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 145 of 166 + +UAD 3.6 Policy + +Availability of Project Information + +Lenders submitting projects to PERS must ensure that the developer, builder, management company, and/or HOA will provide +project information to Fannie Mae as and when requested without charge. In the event the requested information is not provided, +Fannie Mae reserves the right to withdraw the PERS approval. diff --git a/chunks/txt/c9fb073a8a53e16b7203c8880fd5b9336f63ee576d1e8451d7f363a66d444ff0.txt b/chunks/txt/c9fb073a8a53e16b7203c8880fd5b9336f63ee576d1e8451d7f363a66d444ff0.txt new file mode 100644 index 0000000000000000000000000000000000000000..efdbea6a2ca47b87af20b2cdf5a005c56f140c59 --- /dev/null +++ b/chunks/txt/c9fb073a8a53e16b7203c8880fd5b9336f63ee576d1e8451d7f363a66d444ff0.txt @@ -0,0 +1,44 @@ +2023-037 Corrected typo in the ‘Definition / Additional Guidance’ column for Recommended Action (14.010). + +2023-001 Removed the “Under Review” watermark. + +Deleted Property Conforms to Surrounding Area (17.000), Property Nonconforming Reason (17.001), and Description +(17.002). + +17 Market + +2023-031 + +Changed Report Label for 17.003 to Market Area Boundary, and updated definitions and additional guidance throughout +the Market section accordingly. + +Updated ‘Definition/Additional Guidance’ for Property Value Trend (17.019). + +2023-037 Corrected Report Field IDs 17.017-17.024 to match sample from Appendix C-1. + +18 Project +Information + +22 Sales +Comparison +Approach + +2023-064 Clarified ‘Definition/Additional Guidance’ for Units Sold (18.007), Units for Sale (18.008), and Units Rented (18.009). + +2023-037 Added sample showing Report Field IDs for Project Blanket Financing (18.028-18.063) + +2023-018 Clarified additional cases when “None” displays in the Project Factors table (18.069, 18.073). + +2023-038 Clarified that Number of ADUs on Property (Not on Report) is required for sales comparables. + +2023-006 Clarified that Units in Structure (Not on Report) is required for sales comparables for dwellings and outbuildings. + +2023-025 Clarified requirements for Unit Identifier (22.07.01, 22.07.17, 22.09.02, 22.09.18). + +2023-039 Updated requirements for Floor Number (22.07.03, 22.07.20). + +2023-045 Dwellings Containing Units (Not on Report): Clarified that format is a number. + +2023-032 Removed Other as an allowable answer for Vehicle Storage Attachment Type (22.13.01, 22.13.05) + +2023-037 Corrected typo in the Outbuilding subsection name. diff --git a/chunks/txt/ca019a435246865b38fdfc5c82c1fc26b318b743d00da35ce3c15b0645cf2239.txt b/chunks/txt/ca019a435246865b38fdfc5c82c1fc26b318b743d00da35ce3c15b0645cf2239.txt new file mode 100644 index 0000000000000000000000000000000000000000..8be04c80a8730cc318919a3d3ca19e59836dee83 --- /dev/null +++ b/chunks/txt/ca019a435246865b38fdfc5c82c1fc26b318b743d00da35ce3c15b0645cf2239.txt @@ -0,0 +1,21 @@ +Completing the Desktop Appraisal + +Subject property information may be obtained from one or more data sources. The appraiser can accept data, photos, floor +plans, and other information from a party who has a financial interest in the sale or financing of the property if the appraiser +verifies such data from a disinterested source. The appraiser must determine if the information is accurate and reliable to +produce a credible report, which includes the features, quality, and condition of the subject property. + +Virtual inspection methods (including digital photos or videos) or other technological solutions (such as a machine-generated +floor plan) can augment the data and imagery used for a desktop appraisal. Information provided by the homeowner, potential +borrower, or a third party can be used to develop the description of the interior and exterior of the improvements. Extraordinary +assumption(s) or appraisals made "subject to" verification of the subject property's condition, quality, or physical characteristics +are not permitted. + +The lender remains responsible for the description of the property, and the accuracy of all data on the appraisal that pertains to +the property. This includes the property's condition and quality ratings. The lender is also responsible for ensuring the property +meets the property eligibility requirements in this Selling Guide. Lastly, the lender remains responsible for any life-of-loan +representations and warranties that may apply to the property or the appraisal. + +Exhibits: Desktop appraisals require the same exhibits as traditional appraisals, including a floor plan. The Square Footage- +Method for Calculating: ANSI® Z765-2021 is not required for desktop appraisals but is encouraged when feasible. See SB4-1.2-01, +Appraisal Reports and Exhibits for additional information. diff --git a/chunks/txt/ca1675374e3a68cb7001698b928ea3a9087d85459f270cc2fec31dfa5af4cdb9.txt b/chunks/txt/ca1675374e3a68cb7001698b928ea3a9087d85459f270cc2fec31dfa5af4cdb9.txt new file mode 100644 index 0000000000000000000000000000000000000000..27b33d871ad8cadec43e5a98a402ef3a7c7fb826 --- /dev/null +++ b/chunks/txt/ca1675374e3a68cb7001698b928ea3a9087d85459f270cc2fec31dfa5af4cdb9.txt @@ -0,0 +1,51 @@ +• +• +• +• + +• + +05.043 + +ID + +Displays if Credential +Type is not None + +Free-form + +05.044 + +State + +Displays if Credential +Type is not None + +2-letter USPS state +code + +Note: Redisplays from 04.018 (Appraiser) or 04.033 (Supervisory Appraiser). + +The credential as reported by the ASC. Commonly referred to as “credential +number,” “license number,” or “certification number.” +Note: Redisplays from 04.019 (Appraiser) or 04.034 (Supervisory Appraiser). + +State credential that applies to the assignment, commonly referred to as the +“credentialling state.” +Note: Redisplays from 04.020 (Appraiser) or 04.035 (Supervisory Appraiser). + +05.045 Expires + +Displays if Credential +Type is not None + +mm/dd/yyyy + +Expiration date of the credential. +Note: Redisplays from 04.021 (Appraiser) or 04.036 (Supervisory Appraiser). + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 28 of 28 + +Version 1.3 diff --git a/chunks/txt/ca3acace0fec07cb19d59249598344fd82d3791f61d118563d632a192974b8ee.txt b/chunks/txt/ca3acace0fec07cb19d59249598344fd82d3791f61d118563d632a192974b8ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..d30af7b9b19a7c284cfc5f16e34956c6880126d5 --- /dev/null +++ b/chunks/txt/ca3acace0fec07cb19d59249598344fd82d3791f61d118563d632a192974b8ee.txt @@ -0,0 +1,138 @@ +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Observed Project Deficiencies +Subject Site Owned in Common + +Site Built +Detached + +Overall Quality +Overall Condition + +Q3 +C1 + +Yes No +  +  +  +  +  +  + +Yes No +  + +This is where the Dwelling Front photo would display. + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Zoning Compliance + +Legal + +Apparent Defects, Damages, Deficiencies Requiring Action + +None + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 2 of 24 +Page 2 of 24 + +Assignment Information + +Assignment Reason +Borrower Name + +Seller Name +Current Owner of Public Record + +Purchase +Mary Jones +Michael Jones +XYZ Builders +XYZ Builders + +Contact Information + +Lender + +Company Name +Company Address + +ABC Lender +400 Apple Ln +Anytown, IL 54321 + +Client/Appraisal Management Company + +Company Name +Company Address + +Appraiser + +Name +Company Name +Company Address + +DIY AMC +500 Park St +Othertown, IL 54322 + +Sam Appraiser +XYZ Appraisals +123 Main St +Anytown, IL 54321 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior + +No Inspection +No Inspection + +Assignment Information and Scope of Work Commentary + +Property Valuation Method + +Desktop Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Appraiser Fee +AMC Fee + +$0 +$0 + +Yes No +  + +STET + +“lieu” l.c. + +Credentials + +ID +State +Expires diff --git a/chunks/txt/ca49770e3e78d601d5f7e6ce27ddb812343233634158ca924a32540dafe0f084.txt b/chunks/txt/ca49770e3e78d601d5f7e6ce27ddb812343233634158ca924a32540dafe0f084.txt new file mode 100644 index 0000000000000000000000000000000000000000..42525216bde8b2b1299e691bb289371374634407 --- /dev/null +++ b/chunks/txt/ca49770e3e78d601d5f7e6ce27ddb812343233634158ca924a32540dafe0f084.txt @@ -0,0 +1,93 @@ +1500.0042 + +HazardZoneType + +− + +Display when LandOwnedInCommonIndicator = "false" AND +PropertyMixedUsageIndicator = "true" +If there are multiple non-residential uses, they are displayed in the same row +and separated by a pipe (|) +Display when @ValuationUseType = "SubjectProperty" AND +PropertyMixedUsageIndicator = "true" +Display when @ValuationUseType = "SubjectProperty" AND +PropertyMixedUsageIndicator = "true" + +Always displays + +Always displays + +− When HazardZoneType = "USGSLavaFlowZone" display the zone +− When there are multiple hazard zones, they are displayed in the same row + +and separated by a pipe (|) + +− When “None”, “No Hazard Zone Noted” displays (Figure 4 - 9) + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 128 + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Site: Site Features and Impact to Value/Marketability + +4.048 + +Impact + +1500.0187 + +ValueMarketabilityImpactType + +4.049 + +Comment + +1500.0186 + +ValuationCommentText + +4.050 + +Property Restriction + +1500.0012 + +EncumbranceType + +Display when @ValuationUseType = "SubjectProperty" AND +HazardZoneType <> "None" +Display when (@ValuationUseType = "SubjectProperty" AND +HazardZoneType <> "None" AND +ValueMarketabilityImpactType = "Adverse") +OR +(@ValuationUseType = "SubjectProperty" AND +HazardZoneType <> "None" AND +(ValueMarketabilityImpactType = "Beneficial" OR "Neutral") AND Exists) +Display when exists +Each Property Restriction displays on a separate row + +− +− When there are no property restrictions, this row does not display + +4.051 + +Detail + +4.052 + +Impact + +1500.0002 + +RestrictionType + +Display when EncumbranceType = “ConditionsCovenantsRestrictions” diff --git a/chunks/txt/ca55afbf5691547d10614c345d5c115c69a70b8eba9d54c05fca83d7fa7a1add.txt b/chunks/txt/ca55afbf5691547d10614c345d5c115c69a70b8eba9d54c05fca83d7fa7a1add.txt new file mode 100644 index 0000000000000000000000000000000000000000..60be8dc8fde71f1a891c647f4e132c6d2ae364b3 --- /dev/null +++ b/chunks/txt/ca55afbf5691547d10614c345d5c115c69a70b8eba9d54c05fca83d7fa7a1add.txt @@ -0,0 +1,105 @@ +Foundation + +HUD Data Plate + +This is where the Manufactured Home Foundation photo +would display. + +HUD Certification Label + +HUD Certification Label + +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 9 of 30 +Page 9 of 30 + +Manufactured Home (continued) + +Retailer’s Invoice + +This is where the Retailer’s Invoice photo would display. + +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 10 of 30 +Page 10 of 30 + +Manufactured Home (continued) + +Manufacturer’s Invoice + +This is where the Manufacturer’s Invoice photo would display. + +Unit Interior + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +Level and Room Detail + +1,568 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Physical Measurement +Plans and Specs + +Levels in Unit +Occupancy +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +1 +Owner +3 +2 +0 + +Level in Unit +Level 1 + +Grade Level Detail +Above Grade + +Finish +Finished + +Area +1,568 Sq. Ft. + +Room Summary +2 - Bath - Full +3 - Bedroom +1 - Dining Room +1 - Kitchen +1 - Living Room +1 - Utility Room + +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 11 of 30 +Page 11 of 30 + +Unit Interior (continued) + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating diff --git a/chunks/txt/ca6b6e56dc9877d9f451b0f082c67251f9687412bac52fde1e6bf1c23c4ff28c.txt b/chunks/txt/ca6b6e56dc9877d9f451b0f082c67251f9687412bac52fde1e6bf1c23c4ff28c.txt new file mode 100644 index 0000000000000000000000000000000000000000..a73577c6683ab9a6f5db991c7c73eb1531c1c1fd --- /dev/null +++ b/chunks/txt/ca6b6e56dc9877d9f451b0f082c67251f9687412bac52fde1e6bf1c23c4ff28c.txt @@ -0,0 +1,48 @@ +Enhancements + Escrow Details + GSE Transaction + +Details + + Program Identifiers, + +IFIs + +BalloonResetIndicator = +“true” and +LoanStateDate = Date +data retrieved from +submitter’s system + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 40 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +The “AtReset” LOAN container must be submitted in addition to both the LOAN +container with a LoanStateType of “AtClosing” (providing data about the original +loan prior to reset) and the LOAN container with a LoanStateType of “Current” +(providing the data at the point in which it was retrieved from the submitter’s +system). + +f. Loans with Related Liens. + +If the loan being delivered is associated with other liens against the same property, +a container must be sent with a LoanRoleType of “RelatedLoan” to describe the +related lien(s). There are two different treatments of related loans, depending on +whether the loan being delivered to the GSE is a first or second lien. + +If a second lien is being delivered, all the data about the second lien loan should be +submitted in the AtClosing container, as described in Section “a” for non-modified +loans. The data about the related first lien should be delivered in a LOAN container +with LoanRoleType = “RelatedLoan” and a LoanStateType of “AtClosing.” This +related LOAN container holds a limited set of data about the note terms of the +original first lien. + +Figure IV-13. LOAN Containers Required when a Second Lien is Being Delivered + +Subject Loan / At +Closing diff --git a/chunks/txt/ca71b887a30ce3c1caaaf678ba2cb2b37461b5736c774b9196dabb865a7343de.txt b/chunks/txt/ca71b887a30ce3c1caaaf678ba2cb2b37461b5736c774b9196dabb865a7343de.txt new file mode 100644 index 0000000000000000000000000000000000000000..941854d7d67d1b3c6d862596df24b44cf3b558f2 --- /dev/null +++ b/chunks/txt/ca71b887a30ce3c1caaaf678ba2cb2b37461b5736c774b9196dabb865a7343de.txt @@ -0,0 +1,50 @@ +Table 2. UCD v2.0 Excerpt -
Data Requirements. + +UCD UID + +Data Point or Attribute + +Delivered Value + +Implementation Notes + +The XPath to the data point. For child containers or repeated containers following the first green bar with the complete XPath, the +notation “…/” stands for missing preceding containers in the XPath. + +The Unique ID +assigned to the data +point or attribute in +the UCD v2.0 Spec. + +The data point or attribute that +are the topic of the I-Guide +section. + +For illustration purposes, the values +provided in the associated fields of the +CD rendering example. + +Guidance for using the data +point/attribute or what values to +provide. May supplement I-Notes in +the UCD v2.0 Spec. + +b. Reusable Containers and Data Points + +A few containers can be used in multiple XPaths, which provide the context and definition for the “reusable” container . +The only way to fully define the data in reusable containers is to rely on the XPath to each container for context. The following +figure illustrates the concept of reusable containers using the ADDRESS container. + +Figure 2. Example of Reusable Containers in XML File. + +ADDRESS + +The MISMO v3.3.0 reusable container ADDRESS is used in multiple locations within the XML file. It +appears as a child container of SUBJECT_PROPERTY (top XPath) and as a child container of PARTY +(bottom XPath): + +c. MISMO Principles for Using the Enumerated Value “Other” and the Attribute DisplayLabelText + +Based on MISMO® standards of use and best practices, the use of “Other” should be reserved for cases where the specified +enumeration is too rare or too specific for a reasonable match. Then, the value “Other” plus a value in the “OtherDescription” +data point may be used. It is not acceptable to use “Other” to replace wording of a supported enumeration. diff --git a/chunks/txt/ca7c1f992dd9395546aed73a6620285caa474af6d38a57c2179aa4017f53f810.txt b/chunks/txt/ca7c1f992dd9395546aed73a6620285caa474af6d38a57c2179aa4017f53f810.txt new file mode 100644 index 0000000000000000000000000000000000000000..198d389943d842ae54e65fdbd144447b2e5e399d --- /dev/null +++ b/chunks/txt/ca7c1f992dd9395546aed73a6620285caa474af6d38a57c2179aa4017f53f810.txt @@ -0,0 +1,24 @@ +Upcoming PE – Whole Loan Changes Scheduled for December + +Integration Impact Memo + +Please note the upcoming changes scheduled for Pricing & Execution - Whole Loan® (PE - Whole Loan). + +Dec. 8, 2020 + +LIBOR Transition + +Effective December 31, 2020, Fannie Mae will cease purchase of LIBOR-Based ARMS. Leading up to this date, +commitment lengths provided for LIBOR-Based ARMS will be shortened so as not to have any delivery dates +extend past the end of the year. Visit Fannie Mae’s LIBOR Transition page for more information on how we +are preparing. + +Questions? Please email pewl_integration@fanniemae.com. + +Thank you, + +PE Whole Loan Support Team + +See instructions above to update confidentiality footer + +12.8.20 Page 1 of 1 diff --git a/chunks/txt/caa5c3d900b0af538c32f95a852fb7ffed7f6d707b13613c343e6464d2b61f24.txt b/chunks/txt/caa5c3d900b0af538c32f95a852fb7ffed7f6d707b13613c343e6464d2b61f24.txt new file mode 100644 index 0000000000000000000000000000000000000000..162dcea2f74afc2acea3d98e5debcedf519c867e --- /dev/null +++ b/chunks/txt/caa5c3d900b0af538c32f95a852fb7ffed7f6d707b13613c343e6464d2b61f24.txt @@ -0,0 +1,25 @@ +The NMDB assembles credit, administrative, servicing, and property data for a nationally representative five percent sample of closed-end first-lien residential mortgages in the United States. The database includes the following information: + +- mortgage performance from origination to termination; +- mortgage terms; +- property value and characteristics; +- type and purpose of the mortgage product; +- sale in the secondary mortgage market; and +- credit-related information on all mortgage cosigners, including second liens, other past and present mortgages, and credit scores from one year before origination to one year after termination. +### Related Docum​ents + +[Privacy Impact Assessment](/document/nmdb-pia.pdf) (11/8/2023) + +[Notice of Revision to an Existing System of Records: National Mortgage Database Project](/regulation/federal-register/privacy-act-system-of-records-notice/2016-n-13) (12/28/2016) + +[Revised System of Records-National Mortgage Database Project](/regulation/federal-register/privacy-act-system-of-records-notice/2015-n-07) (8/28/2015) + +[FHFA Update About the National Mortgage Database](/sites/default/files/2023-03/nmdb_update_08012014.pdf) (8/1/2014) + +[System of Records: National Mortgage Database Project](/regulation/federal-register/privacy-act-system-of-records-notice/2014-n-03) (4/16/2014) + +[Privacy Impact Assessment](/sites/default/files/documents/NMDB%20PIA%20Version%202%20-%2011062013.pdf) (11/6/2013) + +[Notice of Proposed Establishment of New System of Records](/regulation/federal-register/privacy-act-system-of-records-notice/2012-n-18) (12/10/2012) + +[Privacy Impact Assessment](/sites/default/files/2023-03/nmdb_pia_2012_redacted_508.pdf) (9/17/2012) diff --git a/chunks/txt/caaf5ae916792a1cecd8ec7d5cb6f0e72655ebea0006c51a938677bf73a12572.txt b/chunks/txt/caaf5ae916792a1cecd8ec7d5cb6f0e72655ebea0006c51a938677bf73a12572.txt new file mode 100644 index 0000000000000000000000000000000000000000..87c64deae776d4ab0eeb1e89438fb42066fd25f4 --- /dev/null +++ b/chunks/txt/caaf5ae916792a1cecd8ec7d5cb6f0e72655ebea0006c51a938677bf73a12572.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/dashboard" +date_accessed: "2026-01-27T17:47:50.371Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/cab30c250895dd7756c8fb3c8ea93f9af01e914d9c70be6f7bc66b84e7abee55.txt b/chunks/txt/cab30c250895dd7756c8fb3c8ea93f9af01e914d9c70be6f7bc66b84e7abee55.txt new file mode 100644 index 0000000000000000000000000000000000000000..b883c044f80ae69cf8f93b7f01bc6486fe550f94 --- /dev/null +++ b/chunks/txt/cab30c250895dd7756c8fb3c8ea93f9af01e914d9c70be6f7bc66b84e7abee55.txt @@ -0,0 +1,93 @@ +Neighborhood name may not apply in some areas, such as rural areas. In +this case, enter None when the row is included in the Sales Comparison +Approach (22.03.03) or Rental Information (23.03.02). + +Subject Property Characteristics (Checkboxes) + +Appendix F-1: URAR Reference Guide + +Page 47 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +03 Subject Property + +Report +Field ID + +3.010 + +Subject Property: Subject Property Characteristics (Checkboxes) + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Always required + +Yes | No + +Planned Unit +Development +(PUD) + +Property in a PUD +Indicates whether the property is in a PUD. A PUD is a subdivision that consists +of common property and improvements that are owned and maintained by a +homeowners association (HOA) for the benefit and use of the individual PUD +unit owners. A unit owner in the PUD has title to a residential property (parcel +and dwelling) and an interest in the HOA that owns or manages the common +areas and facilities of the PUD. + +Notes: +• + +Select Yes when all lot or unit owners are required to have an interest in +the HOA managing the PUD common areas and facilities. +Select No if the property is in a condo, co-op, or condop. +A PUD may be comprised of manufactured homes when meeting the +definition. +A project or subdivision with voluntary HOA membership must not be +identified as a PUD. + +• +• + +• + +3.011 +3.012 +3.013 + +3.011 +3.012 +3.013 + +3.014 + +Condominium +Cooperative +Condop + +Condominium +Cooperative +Condop + +Property on +Native American +Lands + +Always required + +Yes | No + +Checkboxes are checked based on Property in a Project +• +• diff --git a/chunks/txt/cab83c037919b2ca9de598ee85332bffb99d48801e68c3971910514285940230.txt b/chunks/txt/cab83c037919b2ca9de598ee85332bffb99d48801e68c3971910514285940230.txt new file mode 100644 index 0000000000000000000000000000000000000000..26c1053baf91859252b49d4d52587424f5c6bed7 --- /dev/null +++ b/chunks/txt/cab83c037919b2ca9de598ee85332bffb99d48801e68c3971910514285940230.txt @@ -0,0 +1,29 @@ +**Community Development Financial Institution (CDFI) Membership** + +CDFIs are specially designated financial institutions that serve markets underserved by traditional financial institutions. To learn about CDFI Membership click [here](/programs/community-support-program-and-cdfi-membership#CDFIMembership). + +**Housing Goals** + +The FHLBanks purchase loans from their members under the acquired member assets program, a whole loan mortgage purchase program. The FHLBanks' housing goals performance is based on single-family whole loans purchased through their acquired member assets programs. In 2023, 9 of 11 FHLBanks purchased whole loans through those programs. To learn more about Housing Goals click [here](/programs/federal-home-loan-banks-housing-goals). + +*Page Last Updated: October 15, 2025* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/cac957366c21c572b1a2ec891a1b641ddf8869191cf436a4b2699df8dce1d446.txt b/chunks/txt/cac957366c21c572b1a2ec891a1b641ddf8869191cf436a4b2699df8dce1d446.txt new file mode 100644 index 0000000000000000000000000000000000000000..978b5456941828c7a9ae91e3a1aa92f8861118f7 --- /dev/null +++ b/chunks/txt/cac957366c21c572b1a2ec891a1b641ddf8869191cf436a4b2699df8dce1d446.txt @@ -0,0 +1,3 @@ +Site .............................................................................................................................................................................................................................................. 57 + +Dwelling Exterior ........................................................................................................................................................................................................................ 57 diff --git a/chunks/txt/cae8f778fc722fa53a5ff7ca4198f2f232dff047a31fd67a660871927973f20b.txt b/chunks/txt/cae8f778fc722fa53a5ff7ca4198f2f232dff047a31fd67a660871927973f20b.txt new file mode 100644 index 0000000000000000000000000000000000000000..b07f38e773dec23ff6e47a3af986a44a96719521 --- /dev/null +++ b/chunks/txt/cae8f778fc722fa53a5ff7ca4198f2f232dff047a31fd67a660871927973f20b.txt @@ -0,0 +1,45 @@ +One and only one selection from fields 1- +132, 1-133, 1-134, 1-135, 1-136, 1-137 +(values of Project Design Type) should be +indicated. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one design type, this field indicates the design type +that applies to the subject unit, and the appraiser may indicate the other design types in +the addendum. + +One and only one selection from fields 1- +132, 1-133, 1-134, 1-135, 1-136, 1-137 +(values of Project Design Type) should be +indicated. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one design type, this field indicates the design type +that applies to the subject unit, and the appraiser may indicate the other design types in +the addendum. + +One and only one selection from fields 1- +132, 1-133, 1-134, 1-135, 1-136, 1-137 +(values of Project Design Type) should be +indicated. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one design type, this field indicates the design type +that applies to the subject unit, and the appraiser may indicate the other design types in +the addendum. + +One and only one selection from fields 1- +132, 1-133, 1-134, 1-135, 1-136, 1-137 +(values of Project Design Type) should be +indicated. + +One and only one value of fields 1-120, 1- +121 (values of GSE Special Flood Hazard +Area Indicator) should be indicated. + +This field should be populated if a FEMA +map exists for the area. + +If field 1-122 (GSE NFIP Flood Zone +Identifier) has a value that does not equal +'None', this field should be populated. diff --git a/chunks/txt/caece5446ed16303db32d1e249d609fd888e912d32a90799d8d65dbaca2a112d.txt b/chunks/txt/caece5446ed16303db32d1e249d609fd888e912d32a90799d8d65dbaca2a112d.txt new file mode 100644 index 0000000000000000000000000000000000000000..5213a2bdad0c78730dcb3ace6a83091bf7ba1c2b --- /dev/null +++ b/chunks/txt/caece5446ed16303db32d1e249d609fd888e912d32a90799d8d65dbaca2a112d.txt @@ -0,0 +1,49 @@ +For DU to consider positive rent payment history for a specific borrower, that borrower must: + +▪ Not have mortgage reported on their credit report, + +▪ have a limited credit history, or + +▪ have no credit score. + +© 2024 Fannie Mae. + +11.20.24 + +3 of 4 + +DU will continue to issue messages specifying when the borrower’s rent payment history was used and will indicate if that rent +was used from the asset verification report or the credit report. When the rent payment was not used, DU will continue to indicate +the reason it was not used. + +Mission Index Information + +The following new Observation messages are being added in support of the Mission Index: + +▪ A new message will be added when the census tract obtained for the property was based on the zip code specifying +that the Mission Index information may change when the loan is sold to Fannie Mae if more updated information is +available; and + +▪ A new message will be added when the Mission Index is 0. + +Value Acceptance LTV Ratio + +As announced on Oct. 28, 2024, the eligible loan-to-value (LTV) ratios for purchase loans to receive a Value Acceptance offer will +increase from 80% to 90% and to receive a Value Acceptance + Property Data offer will increase from 80% to the program limits. +The table below outlines the updated eligibility that will be applied to loan casefiles submitted or resubmitted on or after the +weekend of Jan. 11, 2025. + +Purchase transactions (1-unit only) + +Updated maximum LTV ratio + +Value acceptance + +Value acceptance + property data + +90%1 +97%2 (up to program limits) + +1 Principal residences in “high-needs rural” locations are eligible up to a 97% LTV/105% CLTV (if the loan is part of a Community Seconds transaction) for +borrowers at or below AMI, contingent on home property inspection. +2 The CLTV may exceed the stated limit up to 105% CLTV only if the loan is part of a Community Seconds transaction. diff --git a/chunks/txt/cb0f110b12fc86dad986238c9a999cf80d265b9a1c555c1792fd511bf4a9b7ce.txt b/chunks/txt/cb0f110b12fc86dad986238c9a999cf80d265b9a1c555c1792fd511bf4a9b7ce.txt new file mode 100644 index 0000000000000000000000000000000000000000..f6b3ec7ff23446eafdeb469748ade052fd5d2f36 --- /dev/null +++ b/chunks/txt/cb0f110b12fc86dad986238c9a999cf80d265b9a1c555c1792fd511bf4a9b7ce.txt @@ -0,0 +1,178 @@ +Indicates that the Year Built is estimated. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_EXTE +NSION/STRUCTURE_EXTENSION_SECTION[@ExtensionSectionOrganizatio +nName='UNIFORM APPRAISAL +DATASET']/STRUCTURE_EXTENSION_SECTION_DATA/STRUCTURE_IN +FORMATION/@GSEYearBuiltEstimationIndicator + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Improvements Section +This is a yes/no field that indicates whether the year built is estimated ('Y' indicates the +year built is estimated and 'N' indicates the year built is not estimated). + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +R + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 91 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +151 + +1 + +144 + +PROJECT +INFORMATION + +Year Built + +Property Structure +Built Year + +The year in which the dwelling on the +property was completed. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@PropertyStructureBui +ltYear + +4 + +Date/Time + +UAD Requirement - Refer to Appendix D Improvements Section +The appraisal report must indicate the subject property’s year built in a four-digit +format only, such as 1978 or 2002. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. diff --git a/chunks/txt/cb16b14c7488bacba0be609fd066bc53cba0051ec4d2652c0f38e1c46b6f3054.txt b/chunks/txt/cb16b14c7488bacba0be609fd066bc53cba0051ec4d2652c0f38e1c46b6f3054.txt new file mode 100644 index 0000000000000000000000000000000000000000..738734ae86e509b210930e95d15dd148657fecee --- /dev/null +++ b/chunks/txt/cb16b14c7488bacba0be609fd066bc53cba0051ec4d2652c0f38e1c46b6f3054.txt @@ -0,0 +1,47 @@ +See Total Loan Costs (D) and Total Other Costs (I)< + +/IntegratedDisclosureCashToCloseItemChangeDescription> + +-5099.00< + +/IntegratedDisclosureCashToCloseItemEstimatedAmount> + +-5757.00 +TotalClosingCosts + + + + +true< + +/IntegratedDisclosureCashToCloseItemAmountChangedIndicator> + +You paid these Closing Costs before closing< + +/IntegratedDisclosureCashToCloseItemChangeDescription> + +0.00< + +/IntegratedDisclosureCashToCloseItemEstimatedAmount> + +435.00 +ClosingCostsPaidBeforeClosing< + +/IntegratedDisclosureCashToCloseItemType> + + + + +true< + +/IntegratedDisclosureCashToCloseItemAmountChangedIndicator> + +See Payoffs and Payments (K)< + +/IntegratedDisclosureCashToCloseItemChangeDescription> + +-120000.00< + +/IntegratedDisclosureCashToCloseItemEstimatedAmount> + +-115000.00< diff --git a/chunks/txt/cb16bf3a61e463bb68ac3269d84b0f05076b464a108db25ed257b30319453335.txt b/chunks/txt/cb16bf3a61e463bb68ac3269d84b0f05076b464a108db25ed257b30319453335.txt new file mode 100644 index 0000000000000000000000000000000000000000..dcee1555c6fdb765124ce2bf4b5860961db15781 --- /dev/null +++ b/chunks/txt/cb16bf3a61e463bb68ac3269d84b0f05076b464a108db25ed257b30319453335.txt @@ -0,0 +1,13 @@ +## Single-Family Mortgages Originated and Outstanding, 1990 – 2011 Q2 + +Statistics for conventional and government-insured or -guaranteed loans and, within each of those sectors, for fixed-rate and adjustable-rate mortgages. Conventional loans are also divided into jumbo and non-jumbo loans. + +Note: Currently, FHFA does not have any plans to update this dataset through more recent periods.​ + +## Datasets + +**Description** **Format** Enterprise Share of Residential Mortgage Debt Outstanding 1990 – 2010 [[XLS]](/sites/default/files/Enterprise_Share_of_Residential_Mortgage_Debt_Outstanding_1990_-_2010.xls) Single-Family Mortgage Originations, 1990 – 2011 Q2 [[XLS]](/sites/default/files/SF_Mortgage_Originations_1990-2011Q2.xls) Single-Family Mortgages Outstanding, 1990 – 2011 Q2 [revised 11/2/11] [[XLS]](/sites/default/files/SFMortgagesOutstanding1990to2011Q2rev1122011.xls) ## Treasury and Federal Reserve Purchase Programs for GSE and Mortgage-Related Securities + +Data on activities by the Department of the Treasury and the Federal Reserve System to support mortgage markets through purchases of securities issued by Fannie Mae, Freddie Mac, and the Federal Home Loan Banks and by Ginnie Mae, a federal agency that guarantees securities backed by mortgages insured or guaranteed by the Federal Housing Administration, the Department of Veterans Affairs, and other federal agencies. More details are available on the [Treasury and Federal Reserve Purchase Programs for GSE and Mortgage-Related Securities](/node/16956) page. + +*​Note: Currently, FHFA does not have any plans to update this dataset through more recent periods.* diff --git a/chunks/txt/cb18378193771b804085f35b3cc3d0148201719410526e895fdaf281da8aea97.txt b/chunks/txt/cb18378193771b804085f35b3cc3d0148201719410526e895fdaf281da8aea97.txt new file mode 100644 index 0000000000000000000000000000000000000000..2a94b34f4d38232bef49fccb0864f60975105403 --- /dev/null +++ b/chunks/txt/cb18378193771b804085f35b3cc3d0148201719410526e895fdaf281da8aea97.txt @@ -0,0 +1,182 @@ +Steve + +Cole + +Jr. + +…/PARTY/ADDRESSE +S/ADDRESS + +AddressLineText + +321 Somewhere +Drive + +2.2 + +Seller + +AddressType + +Mailing + +CityName + +Anytown + +CountryCode + +US + +PostalCode + +12345 + +StateCode + +ST + +…/PARTY/ROLES/ROL +E/ROLE_DETAIL + +PartyRoleType + +PropertySeller + +Second Instance of PARTY for Amy + +…/PARTY/INDIVIDUA +L/NAME + +FirstName + +LastName + +…/PARTY/ADDRESSE +S/ADDRESS + +Middle Name + +AddressLineText + +Amy + +Doe + +A. + +321 Somewhere +Drive + +AddressType + +Mailing + +CityName + +Anytown + +CountryCode + +US + +PostalCode + +12345 + +StateCode + +ST + +…/PARTY/ROLES/ROL +E/ROLE_DETAIL + +PartyRoleType + +PropertySeller + +Not shown – data +clarity + +Not shown – data +clarity + +▪ ROF as Seller +▪ Qualifies the data +in this PARTY +container + +Not shown – data +clarity + +Not shown – data +clarity + +▪ ROF as Seller +▪ Qualifies the data +in this PARTY +container + +Appendix E: UCD Implementation Guide + +Page 42 of 254 + +Version 1.4 + +Uniform Closing Dataset + +2. LEGAL ENTI TY + +2.0 Transaction Information + +If the Seller is a non-individual such as a trust or company, the same data points (with the seller’s values) are +required as for the legal entity borrower in Table 21. The ADDRESS container follows LEGAL_ENTITY_DETAIL. + +ID + +Form Field +Name + +MISMO v3.3.0 Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +Table 24. Seller (Legal Entity) + +2.2 + +Seller + +…/PARTY/LEGAL_ENTITY/LEGA +L_ENTITY_DETAIL + +FullName + +Anytown +Redevelopment +Organization + +…/PARTY/ROLES/ROLE/ROLE_D +ETAIL + +PartyRoleType + +PropertySeller + +▪ ROF as Seller +▪ Qualifies the data +in this PARTY +container + +2. 3 LENDER + +As shown in Figure 12, the lender company making the disclosure is the last item under Transaction +Information. In transactions with multiple lenders, identify only the lender making the disclosure. When the +loan is originated by a mortgage broker, provide the lender organization, if known, even if the broker provided +the disclosure to the borrower. diff --git a/chunks/txt/cb1e36cd146a52d3d73c060dfd8676601ae055fbd153079d86d3408eec98d576.txt b/chunks/txt/cb1e36cd146a52d3d73c060dfd8676601ae055fbd153079d86d3408eec98d576.txt new file mode 100644 index 0000000000000000000000000000000000000000..869c349f870d8fe054b6c68dbee91e5c051073dd --- /dev/null +++ b/chunks/txt/cb1e36cd146a52d3d73c060dfd8676601ae055fbd153079d86d3408eec98d576.txt @@ -0,0 +1,51 @@ +For certain loan casefiles, DU offers value acceptance + property data, an option that requires interior and exterior property data +collection to verify property eligibility prior to the note date. An appraisal is not required. + +Eligible Transactions + +Loan casefiles for certain one-unit properties will be considered for value acceptance + property data. + +Ineligible Transactions + +The following transactions are not eligible for value acceptance + property data: + +two- to four-unit properties; +co-op units; + +• +• +• manufactured homes; +• proposed construction; +• +• +• HomeStyle Renovation and HomeStyle Energy loans; +• +• +• + +construction-to-permanent loans (single-close and two-close); +investment properties when rental income is used to qualify the borrower; + +Texas 50(a)(6) loans; +leasehold properties; +community land trusts or other properties with resale price restrictions, which include loan casefiles using the Affordable +LTV feature; +transactions where either the purchase price or estimated value provided to DU is $1,000,000 or more; +transactions using gifts of equity; + +• +• +• DU loan casefiles that receive an Ineligible recommendation; and +• manually underwritten loans. + +The lender may not exercise a value acceptance + property data offer and must order an appraisal if one or more of the following +applies: + +• DU was unable to identify ineligible criteria in the list above (for example, Texas Section 50(a)(6) loans); +• + +the lender is required by law to obtain an appraisal (see Selling Guide A3-2-01, Compliance With Laws); or + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 125 of 166 diff --git a/chunks/txt/cb2b4c974b3d1a95f6ca993cd786d4021ca4ceb5cc23c016b190fdd09a08e757.txt b/chunks/txt/cb2b4c974b3d1a95f6ca993cd786d4021ca4ceb5cc23c016b190fdd09a08e757.txt new file mode 100644 index 0000000000000000000000000000000000000000..28f325d6660ee6f0dddb40044474eb0bf6549825 --- /dev/null +++ b/chunks/txt/cb2b4c974b3d1a95f6ca993cd786d4021ca4ceb5cc23c016b190fdd09a08e757.txt @@ -0,0 +1,96 @@ +Report +Field ID + +See +iGuide + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Assignment Information Exhibits + +Assignment +Information +Exhibits + +If applicable + +Photos or images + +Photos or images relevant to the Assignment Information section may be +provided, which display in Assignment Information Exhibits. A caption must be +provided to further describe the photo or image. + +Appendix F-1: URAR Reference Guide + +Page 45 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +03 Subject Property + +03 Subject Property + +The Subject Property section always displays, and provides overall information including the address, legal +description, and ownership rights. This section provides space for additional commentary and exhibits. + +General Information + +Address, County, Neighborhood Name + +Subject Property: Address, County, Neighborhood Name + +Report +Field ID + +Report Label + +When to Include + +3.000 + +Physical Address Always required + +Allowable +Answers / Format + +Free-form, in +format that +conforms to +address standards +in USPS +Publication 28, +Postal Addressing +Standards + +Definition / Additional Guidance + +Property Address: Physical address of the property being appraised. +The following address elements must be included: +• + +Street number and name (including pre-directional indicator, suffix, post- +directional indicator) +Unit number, if applicable + +• + +o + +o + +o + +For condos, co-ops, and condops, only use the unit number if it +is in the USPS address. +Do not use unit number for properties with more than one +unit, such as 2- to 4-unit properties. +If the unit number is not applicable, leave it blank. diff --git a/chunks/txt/cb3dd871f8eef12d2a57cf213e1a1f0a4e3662f888d5353b89e12a0b0d80ea18.txt b/chunks/txt/cb3dd871f8eef12d2a57cf213e1a1f0a4e3662f888d5353b89e12a0b0d80ea18.txt new file mode 100644 index 0000000000000000000000000000000000000000..2c26ec9332c1d75fdc2001e7c17ff6247bf300cf --- /dev/null +++ b/chunks/txt/cb3dd871f8eef12d2a57cf213e1a1f0a4e3662f888d5353b89e12a0b0d80ea18.txt @@ -0,0 +1,110 @@ +Finished Below +Grade + +Always required + +Number of square +feet + +Below Grade Finished Area: The total below grade or partially below grade +finished area of the living unit. + +Appendix F-1: URAR Reference Guide + +Page 126 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +10 Unit Interior + +Unit Interior: Area Breakdown and Data Source, Finish of Below Grade Areas + +Report +Field ID + +10.007 + +Report Label + +When to Include + +Always required + +Finished Below +Grade +(Nonstandard) + +Allowable +Answers / Format + +Number of square +feet + +Definition / Additional Guidance + +Below Grade Finished Area (Nonstandard): Fully or partially below grade +finished area(s) with direct interior access from within the dwelling not +conforming to the ANSI ceiling height requirements or accessed through +unfinished area(s), such as an unfinished hallway, a room, or staircase. + +Notes: +• + +• + +Indicate the reason the area is nonstandard in Unit Interior Commentary +(10.061). +If 0, Below Grade Finished Area (Nonstandard) does not display. + +10.008 Unfinished + +Always required + +Below Grade + +Number of square +feet + +Below Grade Unfinished Area: The total below grade unfinished area of the +living unit, including any areas that are fully or partially below grade. + +10.009 Area Data + +Always required + +Source + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Assessor Record +Builder or Developer +Condominium Questionnaire +Cooperative Board +Cooperative Questionnaire +Homeowners Association + +The data source(s) that the appraiser used to determine the area of the unit. +• +• +• +• +• +• +• MLS +• +• +• +• +• +• +• +• +• +• diff --git a/chunks/txt/cb3fc7c08a07adf17a80355b9f89e5ef9a501b618a0abe85eebd8e11654ed398.txt b/chunks/txt/cb3fc7c08a07adf17a80355b9f89e5ef9a501b618a0abe85eebd8e11654ed398.txt new file mode 100644 index 0000000000000000000000000000000000000000..056df5673bab8c88059731d071ba8d8911c351a6 --- /dev/null +++ b/chunks/txt/cb3fc7c08a07adf17a80355b9f89e5ef9a501b618a0abe85eebd8e11654ed398.txt @@ -0,0 +1,40 @@ +ADU expanded eligibility updates to our Selling Guide UAD 3.6 Policy Supplement include: + + Multi-unit properties: Allows two- to three-unit properties to include ADUs, provided the number of dwelling units in the + +primary structure plus the ADUs does not exceed four. + + Multiple ADUs on single-unit properties: Extends eligibility to one-unit properties with up to three ADUs. + + One ADU for standard manufactured housing: Extends eligibility to single-unit manufactured homes (single- or multi- + +section) as the primary dwelling with a single ADU classified as real property. + + Multiple ADUs for MH Advantage®: Extends eligibility to (single- or multi-section) MH Advantage as the primary + +dwelling, to include ADUs provided the number of dwelling units plus the ADUs (which must all be classified as real +property) does not exceed four. + +Properties with multiple ADUs must still be classified as either single-unit or two- to three-unit principal residences. + +Manufactured Homes expanded eligibility reflects a significant step toward expanding financing access and modernizing +appraisal standards for diverse manufactured housing configurations. + +The revisions include: + +• + +Single- and Multi-section: Updates to definitions + +• Manufactured Home: Extends eligibility to two- to four-unit properties. + +• Multi-story Manufactured Homes: Extends eligibility to multi-story manufactured homes. + +Effective: These changes are effective Mar. 31, 2026, and are only available to lenders utilizing UAD 3.6 policy. + +Preventing, detecting, and reporting mortgage fraud clarifications + +We eliminated duplicative and overly specific language regarding closing attorneys, settlement agents, and appraiser selection +criteria. We added references to additional seller/servicer resources for identifying fraud and clarified that any valid match to the +Department of Treasury Office of Foreign Assets Control (OFAC) sanctions list must be reported to Fannie Mae within 24-hours of +identification. diff --git a/chunks/txt/cb3fda339775b36052baf1a4bf5cf53015e144e8d837fa3a5b8715dcef9a6bed.txt b/chunks/txt/cb3fda339775b36052baf1a4bf5cf53015e144e8d837fa3a5b8715dcef9a6bed.txt new file mode 100644 index 0000000000000000000000000000000000000000..62fbb405e1189edd93d6e5b6f704f3947a109e22 --- /dev/null +++ b/chunks/txt/cb3fda339775b36052baf1a4bf5cf53015e144e8d837fa3a5b8715dcef9a6bed.txt @@ -0,0 +1,108 @@ +• Defects are noted but no action required for the homeowner to repair as the homeowner is not + +responsible for exterior maintenance + +• Floorplan has been included + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. + +This cover section, including Introduction and Key Characteristics, + +is not part of the URAR. + +Uniform Residential Appraisal Report + +201 UNDERHILL DR, UNIT 202, NOWHERE, CA 90021 + +SUMMARY + +Opinion of Market Value + +$778,000 + +Market Value Condition + +As Is + +Property Valuation Method +Appraiser Name + +Hybrid Appraisal +Bill Smith + +09/08/2019 +Refinance +James Borrower +Lauren Lightfoot +James Borrower +Lauren Lightfoot +None + +Attached +Mid-rise + +Overall Quality +Overall Condition + +Q4 +C3 + ++.5 li # + +only in + +Summary + +Effective Date of Appraisal +Assignment Reason +Borrower Name + +Current Owner of Public Record + +Listing Status + +Property Description + +Attachment Type +Structure Design + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Observed Project Deficiencies +Subject Site Owned in Common + +Yes No +  +  +  +  +  +  + +Yes No +  + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Zoning Compliance + +Legal + +Apparent Defects, Damages, Deficiencies Requiring Action + +There are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section. diff --git a/chunks/txt/cb5d0f307f3cce971008107bd7a159b3db0024d6ac944b7335d0e393f5520518.txt b/chunks/txt/cb5d0f307f3cce971008107bd7a159b3db0024d6ac944b7335d0e393f5520518.txt new file mode 100644 index 0000000000000000000000000000000000000000..dafab19a1d92c724589a2414a323f7be3942c4d8 --- /dev/null +++ b/chunks/txt/cb5d0f307f3cce971008107bd7a159b3db0024d6ac944b7335d0e393f5520518.txt @@ -0,0 +1,15 @@ +*Figure 6: How to Unfix the Map* + +- **What are Duty to Serve High-Needs Rural Areas?** - High-needs rural regions defined by FHFA[[1]](#ftn1) represent the following: - “high-needs rural region” as any of the following regions provided the region is located in a “rural area”: - Middle Appalachia; + - the Lower Mississippi Delta; + - a colonia census tract; or + - a tract located in a persistent poverty county and not included in Middle Appalachia, the Lower Mississippi Delta, or a colonia census tract. + - **The Duty to Serve High-Needs Area filter doesn’t give me any options.** - The “High-needs areas only” option is unavailable when there is no Duty to Serve High-Needs area in the selected map region. Likewise, the “Non-High-needs areas only” option is not available when there are only Duty to Serve High-Needs rural areas in the selected map region. + - **What are the differences between Insufficient Data, No Rating, and Not Applicable in Risk Ratings?** - If a community is displayed in the application as having “No Expected Annual Loss” for the selected hazard type, the rating will show “No Rating” for its Risk Index for that hazard type. “No Rating” indicates that this community does not have any expected physical risk for the selected hazard type. + - If a factor used to calculate the Expected Annual Loss of a census tract or county for a hazard type has a null value, the community is rated as having “Insufficient Data.” + - The communities are displayed as “Not Applicable” if communities are located where no documented risk exists for the hazard type and where the hazard type is deemed not likely to occur. + - Please review page 36 of [FEMA’s NRI Technical Document](https://www.fema.gov/sites/default/files/documents/fema_national-risk-index_technical-documentation.pdf) for more details. + - **How can I export the results in the dashboard to the Excel or CSV file?** - To export the "Acquisition" Tab results, first click "Acquisition" in the "Select Chart/Table" filter and select other filters based on your interest. Then click "Export to Excel" and select "Acquisition." Select a format and click "Download." + - To export the "Acquisition Distribution by Risk Rating" Tab results, click "Acquisition Distribution by Risk Rating" in the "Select Chart/Table" filter and select other filters based on your interest. Then click "Export to Excel" and select "DIST-SF" to download Single-Family distribution. Select a format and click "Download." Click "Export to Excel" again and download "DIST-MF." Combine the two Excel files. + - To export the "National Risk Index" Tab results, click "National Risk Index" in the "Select Chart/Table" filter and select other filters based on your interest. Then click "Export to Excel" and select "NRI-1" to download Single-Family distribution. Select a format and click "Download." Do the same process for NRI-2 to NRI-5 as well and combine those. + ![Figure 7: Export to Excel Example](/sites/default/files/2024-09/figure-7-export-to-excel-example.png) diff --git a/chunks/txt/cb73cfefeed2048d01d81f486bab4cb775d471bd43a1708c710ef862be305b65.txt b/chunks/txt/cb73cfefeed2048d01d81f486bab4cb775d471bd43a1708c710ef862be305b65.txt new file mode 100644 index 0000000000000000000000000000000000000000..94f7115e92507814eaddfb6be82b5ff2818c74fa --- /dev/null +++ b/chunks/txt/cb73cfefeed2048d01d81f486bab4cb775d471bd43a1708c710ef862be305b65.txt @@ -0,0 +1,84 @@ +• + +“true” + +o Display sub-header: Additional Appraiser Certifications (FID: 09.017) +o Display in italics below sub-header: Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications. +o Deliver ValuationAdditionalCertificationIncludedByType (UID: 2200.0025, FID: Not on report) = “Appraiser” +o Display the text from ValuationAdditionalCertificationText (UID: 2200.0024, FID: 09.018) and deliver in XML. + +▪ Additional certifications are numbered starting at 1. + +• + +“false” + +o Do not display + +Supervisory Appraiser Certifications + +Page 51 + +Report +Field ID + +Cert # + +Certifications Text + +09.019 + +Supervisory Appraiser Certifications + +09.020 + +The Supervisory Appraiser certifies and agrees that: + +09.021 + +1 + +I have no present or prospective interest in the subject property, or relationship with the present or +prospective owners or occupants of the subject property, or other parties involved in this transaction. + +Display Rules + +Display when PartyRoleType = +"AppraiserSupervisor" + +Page 52 + +Report +Field ID + +09.022 + +09.033 + +09.034 + +09.035 + +Cert # + +Certifications Text + +Display Rules + +2 + +3 + +4 + +5 + +I performed this assignment without bias with respect to the parties involved in this transaction, the subject +property, or the demographics of the area where the property is located. + +I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, +rules, and requirements that apply to the appraiser and to the assignment. + +I accept full responsibility for this certification of completion. + +The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct. diff --git a/chunks/txt/cb80b9a4e792bfd5d1861942459626b9aa24c47d07206c7e947475e46eb44940.txt b/chunks/txt/cb80b9a4e792bfd5d1861942459626b9aa24c47d07206c7e947475e46eb44940.txt new file mode 100644 index 0000000000000000000000000000000000000000..a9469a689786753e220a8e4292188368f1e5c07e --- /dev/null +++ b/chunks/txt/cb80b9a4e792bfd5d1861942459626b9aa24c47d07206c7e947475e46eb44940.txt @@ -0,0 +1,44 @@ +Act requires FHFA to publish any HMDA data the +Enterprises possess. See Notice of Order: Revisions +to Enterprise Public Use Database, 75 FR 41180, +41184 (July 15, 2010) (FHFA 2010 Order). +Regulation C also requires covered entities to report +on activities that are not relevant to the PUDB, such +as loan application denials. The PUDB only +includes loan purchase records. + +9 CFPB, Final Rule, Home Mortgage Disclosure +(Regulation C), 80 FR 66128 (Oct. 28, 2015); 12 CFR +part 1003. The CFPB amended Regulation C twice +in 2019, but these amendments do not change the +HMDA data elements, and therefore do not impact +the Safety and Soundness Act requirement for the +PDUB to include HMDA data. See 84 FR 69994 +(Dec, 20, 2019) and 84 FR 58003 (Oct. 29, 2019). +10 The Regulation C reporting requirements +distinguish between loan purchases and loan +originations, and exclude loan purchases from some +data reporting requirements that apply to loan +originations. FHFA has determined that because the +Enterprises are not purchasers under Regulation C, +they do not qualify for any of the exemptions for +HMDA loan purchasers when reporting HMDA data +to FHFA for the PUDB. See, e.g., FHFA 2010 Order, +75 FR at 41185 (adding Rate Spread to the PUDB +despite the fact that Regulation C did not require +loan purchasers to report Rate Spread at that time). +Instead, the PUDB records include data elements +that would only be required for loan originations in +the CFPB’s dataset. In addition, the CFPB’s public +dataset only includes records for loans sold to the +Enterprises in the same calendar year as origination, +but the PUDB includes records for all loans +purchased by the Enterprises in a calendar year, +regardless of year of origination. The PUDB also +may contain HMDA data for loans that were exempt +or partially exempt from HMDA reporting +requirements under Regulation C because the +Enterprises have uniform seller data requirements +that generally are not based on the loan originator’s +status as a HMDA reporter covered by Regulation +C. diff --git a/chunks/txt/cb82f83050b6e421bad6506cff73527491249810b86b0a498c187ce1b50f58ab.txt b/chunks/txt/cb82f83050b6e421bad6506cff73527491249810b86b0a498c187ce1b50f58ab.txt new file mode 100644 index 0000000000000000000000000000000000000000..057624b21533050d51872d9f29fae1f29a2e3173 --- /dev/null +++ b/chunks/txt/cb82f83050b6e421bad6506cff73527491249810b86b0a498c187ce1b50f58ab.txt @@ -0,0 +1,3 @@ +UAD 3.6 XML file......................................................................................................................................................................................................................... 65 + +Appraisal Report – PDF requirements ........................................................................................................................................................................................ 65 diff --git a/chunks/txt/cb990df8420b066e1601ec6c3ebb65d51ccb770b7954159f2150ed052ad28a3e.txt b/chunks/txt/cb990df8420b066e1601ec6c3ebb65d51ccb770b7954159f2150ed052ad28a3e.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c83337967cd7f157b57264490792babc2bae5c8 --- /dev/null +++ b/chunks/txt/cb990df8420b066e1601ec6c3ebb65d51ccb770b7954159f2150ed052ad28a3e.txt @@ -0,0 +1,93 @@ +Report Label + +When to Include + +Allowable +Answers / Format + +17.010 Pending Sales + +Always required + +Number + +Definition / Additional Guidance + +Pending Sales: The number of pending sales in the defined market area that +directly compete with the subject, as of the appraisal effective date. Can be 0. + +Sales within Lookback Period + +Reference published guidelines by the GSEs, government agencies, or other identified secondary market +participants for specific requirements for the minimum lookback period. + +Report +Field ID + +17.011 + +17.012 + +Market: Search Result Metrics – Sales Within Lookback Period + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Sales in Past __ +Months + +Sales in Past __ +Months + +Always required + +Number of +months + +Lookback Period: The number of months back from the appraisal effective date +that the appraiser used to analyze and report on sales. + +Always required + +Number of sales + +Sales in Lookback Period: The number of sales of competitive properties in the +defined market area during the lookback period. + +17.013 + +Lowest Sale +Price + +17.014 Median Sale +Price + +Required when Sales +in Lookback Period is +not 0 + +Required when Sales +in Lookback Period is +not 0 + +Dollar amount + +Lowest Sale Price in Lookback Period: The lowest sale price of the competitive +properties in the defined market area during the lookback period. + +Dollar amount + +Median Sale Price in Lookback Period: The median sale price of the competitive +properties in the defined market area during the lookback period. + +Appendix F-1: URAR Reference Guide + +Page 178 of 375 + +Version 1.3 diff --git a/chunks/txt/cb9b6dd4e7828ad04141670f82a2e6938c0e8b47bab9b2920e3e8d54035c5805.txt b/chunks/txt/cb9b6dd4e7828ad04141670f82a2e6938c0e8b47bab9b2920e3e8d54035c5805.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff6e6cf4723dec1599c83538cc2b9d4537132cb9 --- /dev/null +++ b/chunks/txt/cb9b6dd4e7828ad04141670f82a2e6938c0e8b47bab9b2920e3e8d54035c5805.txt @@ -0,0 +1,98 @@ +MF NFP + +Multifamily +Properties + +National File +Property Level + +The “National File” consists of two parts: this part contains property-level data for all multifamily +properties. +Property and unit class records are linked by the “Record Number” field. + +MF NFU + +Multifamily +Properties + +National File Unit +Class Level + +The “National File” consists of two parts: this part consists of unit class-level data for all multifamily +properties. +Property and unit class records are linked by the “Record Number” field. + +MF CTF + +Multifamily +Properties + +Census Tract File + +The “Census Tract File” contains property-level data on all multifamily properties. +Beginning with the 2018 release, additional fields 17-30 are sourced from FHFA and based on available +Enterprise data unless otherwise indicated, as described in 85 Fed. Reg. 34196 (June 3, 2020), see +https://www.govinfo.gov/content/pkg/FR-2020-06-03/pdf/2020-11819.pdf. + +Notes: + +1. Data are available at https://www.fhfa.gov/pudbdata in TXT and CSV formats. + +2. TXT format files do not have header rows. Fields in TXT format files are separated by blank space(s) and are positional. + +3. CSV format files have header rows. + +TOC + +2 + +Federal Housing +Finance Agency + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +National File A + +Header Name + +Field Name + +Values + +Description / Comments + +enterprise + +Enterprise Flag + +1 = Fannie Mae +2 = Freddie Mac + +Field # Field +Width +1 + +1 + +3 + +4 + +1 + +1 + +2 + +8 + +record_num_sf_nfa + +Record Number + +Starts at 10,000,001 for Fannie Mae +and 20,000,0001 for Freddie Mac + +metro diff --git a/chunks/txt/cbaccb17ccd539d9d5f92ea4568b71e8e8533b0904acc8bd39b7a5b157a11d4b.txt b/chunks/txt/cbaccb17ccd539d9d5f92ea4568b71e8e8533b0904acc8bd39b7a5b157a11d4b.txt new file mode 100644 index 0000000000000000000000000000000000000000..ea6f1bfbe7f0cbf1650b94175991dc9ce8dfbb91 --- /dev/null +++ b/chunks/txt/cbaccb17ccd539d9d5f92ea4568b71e8e8533b0904acc8bd39b7a5b157a11d4b.txt @@ -0,0 +1,33 @@ +10.7: Reg §1026.38(i)(7), pp. 80124-25, 80018-19; 10.7.2: Reg §1026. 38(i)(7)(ii)-1, p. 80355. + +10.8: Reg §1026.38(i)(8), pp. 80125, 80019; 10.8.2: Reg §1026. 38(i)(8)(ii)-1, p. 80355. + +10.9: Reg §1026.38(i)(9), pp. 80125, 80019; 10.9.2: Reg §1026. 38(i)(9)(ii)-1, 2, p. 80355. + +10.A ALTERNATIVE CALCULATING CASH TO CLOSE TABLE + +Appendix E: UCD Implementation Guide + +Page 155 of 254 + +Version 1.4 + +Uniform Closing Dataset + +10.A Alternative Calculating Cash To Close Table + +The Regulation provides an optional streamlined Alternative Calculating Cash to Close table (Alternative table) +for transactions without a seller, because the level of detail in the Calculating Cash To Close table required for a +purchase transaction may not be necessary. By Regulation, the Alternative table must be used in the Closing +Disclosure if it was provided on the Loan Estimate associated with the transaction. All UCD files representing +non-seller transactions that are submitted to the GSEs must use the Alternative table. + +The Alternative version of the Calculating Cash to Close table that must be used with the Closing Disclosure +Alternate Form consists of four columns and five rows, as shown in the following figure. The first column +itemizes the components of the Cash to Close calculation. The second column includes the estimated amounts +of Cash to Close from the Loan Estimate. The third column includes the actual amounts of the Cash to Close and +its components without rounding. In both the second and the third columns, the amounts that increase the total +Cash to Close amount are shown as positive numbers, and the amounts that reduce the total Cash to Close +amount are shown as negative numbers. The fourth column indicates whether the actual amount is different +from the estimated amount; and if so, explains the difference and provides cross-references to other relevant +information disclosed on the Closing Disclosure, as applicable. diff --git a/chunks/txt/cbb39c3d3df4c56eca77298848356552218e99a02aee1e0d4b2f3871c0d181e5.txt b/chunks/txt/cbb39c3d3df4c56eca77298848356552218e99a02aee1e0d4b2f3871c0d181e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..27c4280e7715100a50099a8ad22e2021a37feb92 --- /dev/null +++ b/chunks/txt/cbb39c3d3df4c56eca77298848356552218e99a02aee1e0d4b2f3871c0d181e5.txt @@ -0,0 +1,113 @@ +Residential Use + +Yes | No + +Percent + +Required if Non- +Residential Uses on +Property is Yes + +Required for FHA, +USDA, and VA +appraisals if Non- +Residential Uses on +Property is Yes + +Indicates whether the property's use is primarily residential when the property +includes non-residential space set aside to operate a business. Although income +should be considered, it may not be the sole determining factor if the property +is primarily residential. + +Percent of Residential Use +Reference the appropriate government agency appraisal guidelines for more +information. + +Appendix F-1: URAR Reference Guide + +Page 58 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Site + +Site: Property Use + +Report +Field ID + +4.017 + +Report Label + +When to Include + +Non-Residential +Use + +Required if Non- +Residential Uses on +Property is Yes + +Allowable +Answers / Format + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +4.018 + +Non-Residential +Modification + +4.019 + +Description of +Non-Residential +Use / +Modification + +Required if Non- +Residential Uses on +Property is Yes + +Required if Non- +Residential Uses on +Property is Yes + +Yes | No + +Free-form + +Property Access + +Definition / Additional Guidance + +The type(s) of non-residential use observed on the property. +• +• + +Agricultural +Commercial (e.g., retail, day care, elder care, beauty or barber shop, +doctor’s office) +Industrial +Other (Describe) + +• +• + +Notes: +• +• + +Also displays in the Site Features Table (4.044). +Photo(s) of non-residential use must be provided, which display in Site +Exhibits with the caption “Non-Residential Use”. An additional caption +including the type of non-residential use, location, and any other +descriptive information as appropriate must be provided. diff --git a/chunks/txt/cbbbd9fd0b33d34f2949b187111445a396843b4542707f0c59ba314cce53bb63.txt b/chunks/txt/cbbbd9fd0b33d34f2949b187111445a396843b4542707f0c59ba314cce53bb63.txt new file mode 100644 index 0000000000000000000000000000000000000000..5bb689fffb9de2890f95da2eeaa5143b72802a02 --- /dev/null +++ b/chunks/txt/cbbbd9fd0b33d34f2949b187111445a396843b4542707f0c59ba314cce53bb63.txt @@ -0,0 +1,119 @@ +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/AMENITY[@_Type='Fireplace']/@_ +Count + +Indicates that the amenity specified +by Amenity Type is present in the +structure. +A free-form text field used to +describe, in detail, the amenity +specified by Amenity Type. +Indicates that the amenity specified +by Amenity Type is present in the +structure. +A free-form text field used to +describe, in detail, the amenity +specified by Amenity Type. +Indicates that the amenity specified +by Amenity Type is present in the +structure. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/AMENITY[@_Type='Patio']/@_Exis +tsIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/AMENITY[@_Type='Patio']/@_Deta +iledDescription +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/AMENITY[@_Type='Pool']/@_Exist +sIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/AMENITY[@_Type='Pool']/@_Detai +ledDescription +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/AMENITY[@_Type='WoodStove']/ +@_ExistsIndicator + +188 + +IMPROVEMENTS + +Amenities +Woodstove(s) # + +Amenity Detailed +Description + +A free-form text field used to +describe, in detail, the amenity +specified by Amenity Type. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/AMENITY[@_Type='WoodStove']/ +@_Count + +189 + +IMPROVEMENTS + +Amenities +Fence + +Amenity Exists +Indicator + +190 + +IMPROVEMENTS + +Amenities +Fence Description + +Amenity Detailed +Description + +191 + +IMPROVEMENTS + +Amenities +Porch + +Amenity Exists +Indicator + +192 + +IMPROVEMENTS + +Amenities +Porch Description + +Amenity Detailed +Description + +193 + +IMPROVEMENTS + +Amenities +Other + +Amenity Exists +Indicator + +Indicates that the amenity specified +by Amenity Type is present in the +structure. +A free-form text field used to +describe, in detail, the amenity +specified by Amenity Type. +Indicates that the amenity specified +by Amenity Type is present in the +structure. +A free-form text field used to +describe, in detail, the amenity +specified by Amenity Type. +Indicates that the amenity specified +by Amenity Type is present in the +structure. diff --git a/chunks/txt/cbcc46e549679d395a0bbc34e277bf6a0f15c88a9b59e5502816c5a5b9608753.txt b/chunks/txt/cbcc46e549679d395a0bbc34e277bf6a0f15c88a9b59e5502816c5a5b9608753.txt new file mode 100644 index 0000000000000000000000000000000000000000..4546298faa7ef4acdc44db410383391a1de55d09 --- /dev/null +++ b/chunks/txt/cbcc46e549679d395a0bbc34e277bf6a0f15c88a9b59e5502816c5a5b9608753.txt @@ -0,0 +1 @@ +© 2024 Fannie Mae 3.29.24 Page 1 of 1 diff --git a/chunks/txt/cbd3581fe869d572b51d3d6980610f9eeede7821b4c59b084f7bf853c630c57d.txt b/chunks/txt/cbd3581fe869d572b51d3d6980610f9eeede7821b4c59b084f7bf853c630c57d.txt new file mode 100644 index 0000000000000000000000000000000000000000..e8f1ae73a5b0363e7a5ddd729097abf35a70257b --- /dev/null +++ b/chunks/txt/cbd3581fe869d572b51d3d6980610f9eeede7821b4c59b084f7bf853c630c57d.txt @@ -0,0 +1,30 @@ +A. DOCUMENT ORGANIZATION + +XML elements referred to as “containers” are categories of data. In MISMO, the containers are organized hierarchically, with +the container coming first in the XML file being at the highest summary level. The first (root) container in the XML file, +MESSAGE, is the common ancestor to all containers in the XML file and sits at the top level of the hierarchy. We will not have +any more information about what’s inside MESSAGE until we start reading further down in the XML file (the XPath). + +Since containers are integral to the XML file and represent logical groupings of information, the I-Guide is organized in UCD +XML file container order. Readers can use the I-Guide as a reference as they are walking through UCD v2.0. In “III. XML File +Handling”, “V.J. Projected Payments Table Data” and “V.O. High Cost and QM Data”, the order of topics diverges from the +XML file XPath to keep like data together. + +Current UCD file submitters may be familiar with previous versions of the I-Guide which were organized in the order of the +CD, with section and chapter numbers representing the CD field ID. + +B. XML FILE DATA PAYLOAD A TO Z CHAPTER ORGANIZATION + +Section V is an in-depth walk through of the data payload carried by the XML file in the order presented in the UCD Spec. +There are 26 chapters corresponding to the letters of the alphabet. The purpose of each chapter is to provide a summary, +structure, context, data point guidance and XML snippet of the data that is the topic of the chapter. + +1. XML FILE CONTAINER STRUCTUR E + +Each chapter starts with a tables of XML file containers holding either child containers or data points discussed in the +chapter. The container names correspond roughly to data categories to provide a framework for understanding the contents +of the file. The containers in each table progress systematically through the XML file following the order of the MISMO v3.3.0 +schema, with the first container in each I-Guide section’s table starting immediately after the last container in the table from +the previous section.1 Child containers that are not applicable to UCD v2.0 are excluded, so the table is not an accurate +representation of the full MISMO v3.3.0 schema. If the container structure omits child containers that were included in UCD +v1.5, a note beneath the table identifies the containers that were removed. diff --git a/chunks/txt/cbde09124f4abdfaa63edc7c3d7f4ccfbe6ea695836e93df014d65cdea3a8539.txt b/chunks/txt/cbde09124f4abdfaa63edc7c3d7f4ccfbe6ea695836e93df014d65cdea3a8539.txt new file mode 100644 index 0000000000000000000000000000000000000000..589c2bd1053f71385ed9d61fb3b04a6cb87ace33 --- /dev/null +++ b/chunks/txt/cbde09124f4abdfaa63edc7c3d7f4ccfbe6ea695836e93df014d65cdea3a8539.txt @@ -0,0 +1,5 @@ +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 264 + +Financial Sales Concessions ...................................................................................................................................................................................................... 265 + +Sales Contract Analysis ............................................................................................................................................................................................................. 267 diff --git a/chunks/txt/cbe9c05ba94690df9c34b6fe8829c226c37f6117213d328c42dfa9dda9fd99b9.txt b/chunks/txt/cbe9c05ba94690df9c34b6fe8829c226c37f6117213d328c42dfa9dda9fd99b9.txt new file mode 100644 index 0000000000000000000000000000000000000000..07c22a03692132801b93f7385ff3509d7b34e590 --- /dev/null +++ b/chunks/txt/cbe9c05ba94690df9c34b6fe8829c226c37f6117213d328c42dfa9dda9fd99b9.txt @@ -0,0 +1,54 @@ +When not provided, do not display report label + +Display when FeeType (UID: 1000.0134, FID: Not on report) = +“AppraisalManagementCompanyFee” AND PartyRoleType = +“Client” AND Exists + +Display when FeeType (UID: 1000.0154, FID: Not on report) = +“AppraisalManagementCompanyFee” AND Exists + +When not provided or GovernmentAgencyAppraisalIndicator = +“false”, do not display report label + +Required when GovernmentAgencyAppraisalIndicator (UID: +1000.0123, FID: Not on report) = “true” + +Investor Requested Special Identification + +When not provided, do not display report label + +04.005 + +Investor Requested +Special Identification + +1000.0124 + +InvestorRequestedIdentificationCode + +Display when provided + +Appraiser Fee and AMC Fee are type-value pairs in the XML that is included in the corresponding instance of PARTY. (Figure 4 - 1) + +• Appraiser Fee, when provided, is included in the instance with PartyRoleType (UID: 2200.0136, FID: Not on report) = “Appraiser”, as described in + +the Appraiser and Supervisory Appraiser subsection in this chapter (FID: 04.011 – 04.040). + +• AMC Fee, when provided, is included in the instance of PARTY with the AMC, as described in the [Role]/[Role] subsection in this chapter (FID: + +04.006 – 04.010, 04.048, 04.049). + +o PartyRoleType (UID: 2400.0329, FID: Not on report) = “ManagementCompany” when the AMC is not the client. +o PartyRoleType (UID: 2400.0321, FID: 04.049) = “ManagementCompany” when the AMC is the client. + +Figure 4 - 1 + +Page 19 + +Page 20 + +Page 21 + +Contact Information + +The Contact Information subsection includes information about the people and/or companies (“contacts”) that are pertinent to the appraisal, including: diff --git a/chunks/txt/cbef5ddc49420bdf9b1daf6f38bc418414dc7ab0eec3c86e335b604e8c56d0b7.txt b/chunks/txt/cbef5ddc49420bdf9b1daf6f38bc418414dc7ab0eec3c86e335b604e8c56d0b7.txt new file mode 100644 index 0000000000000000000000000000000000000000..55ae6c58e306ab82aed84e3ace9dc11d522d3e2d --- /dev/null +++ b/chunks/txt/cbef5ddc49420bdf9b1daf6f38bc418414dc7ab0eec3c86e335b604e8c56d0b7.txt @@ -0,0 +1,91 @@ +Functional Obsolescence + +Functional Issues + +None + +Functional Obsolescence Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Vehicle Storage + +Storage +Parking Garage + +Number of Parking Spaces +2 | Owned + +Detail + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Vehicle Storage Commentary + +G22 and G23 - Space Numbers. + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Whole Home + +Subject Property Amenity +Balcony + +Material +Concrete + +Indoor Fireplace + +Detail +56 Sq. Ft. + +Total Number - 1 + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) + +Uniform Residential Appraisal Report + +Page 9 of 22 +Page 9 of 22 + +Subject Property Amenities (continued) + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Balcony + +Description +Location +Adjacent to Living Room Balcony is functional, but shows overall age + +Affects Soundness or +Structural Integrity +No + +Recommended +Action +None + +and some deferred maintenance, mainly +from the cracking of concrete. The condo +association has systematically been moving +throughout the building and making repairs +as needed throughout all unit balconies. + +Subject Property Amenities Commentary + +Maintenance of exterior amenities is provided by the homeowners association. + +Subject Property Amenities Exhibits + +Apparent Defects, Damages, Deficiencies - Balcony + +This is where the Balcony Defect Photo would display. diff --git a/chunks/txt/cc0330e810ea33d27e613464457c1705cbadce54846f7f67e4f3a9a22fb43049.txt b/chunks/txt/cc0330e810ea33d27e613464457c1705cbadce54846f7f67e4f3a9a22fb43049.txt new file mode 100644 index 0000000000000000000000000000000000000000..0c240e39a392cc6bdb4b175f02a679c2c922a93e --- /dev/null +++ b/chunks/txt/cc0330e810ea33d27e613464457c1705cbadce54846f7f67e4f3a9a22fb43049.txt @@ -0,0 +1,42 @@ +The terms “lessor” and “lessee” includes sublessor and sublessee. + +For loans secured by units in projects subject to a ground lease: + +o The borrower may also be called the “unit lessee,” “unit mortgagor,” or “unit owner.” + +o The “ground lease” may also be called a “land lease” or “underlying lease.” + +o For co-ops, this topic does not apply to a borrower's “proprietary lease” or “occupancy agreement.” + +o For a loan secured by a unit in a project, the term “lender” does not refer to the project's blanket lender or + +blanket mortgagee, if applicable. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 20 of 166 + +UAD 3.6 Policy + +General Requirements for Leasehold Mortgages + +The lender must comply with all requirements for leasehold mortgages. In addition, the lender agrees that in accordance +with Selling Guide A2-2-07, Life-of-Loan Representations and Warranties, any failure to comply at any time with requirements in +this topic is a breach of the life-of-loan representations and warranties if it impacts first-lien enforceability. + +The following table provides general requirements for leasehold mortgages. + +✓ + +Requirements for Leasehold Mortgages + +The loan must be secured by a first lien in the property improvements and the borrower's rights in the +leasehold interest in the land. + +For co-op share loans, see Selling Guide B4-2.3-03, Legal Requirements for Co-op Projects and B4-2.3-04, +Loan Eligibility for Co-op Share Loans. + +Note: For loans sold to Fannie Mae with new leases entered into on or after Sept. 01, 2025: The fee estate +must not be subject to any prior secured loans or other liens, unless the secured party or lienholder has +agreed to recognize and not disturb the lease if it becomes the owner of the fee estate, as evidenced by an +agreement recorded in the appropriate land records. diff --git a/chunks/txt/cc0b81a0828332709c584ebdc21f2c6abee7b9d784bca17f40b7949be4f61354.txt b/chunks/txt/cc0b81a0828332709c584ebdc21f2c6abee7b9d784bca17f40b7949be4f61354.txt new file mode 100644 index 0000000000000000000000000000000000000000..3c651773310c5a198b8d5c7b5fdcc455c8cdb966 --- /dev/null +++ b/chunks/txt/cc0b81a0828332709c584ebdc21f2c6abee7b9d784bca17f40b7949be4f61354.txt @@ -0,0 +1,167 @@ +City/Town Taxes +DD/MM/YYYY to +DD/MM/YYYY + +IntegratedDisclosureS +ubsectionType + +AdjustmentsForIte +msUnpaidBySeller + +Not Shown + +ProrationItemAmount 365.00 + +ROF as “365.00” + +ProrationItemPaidFro +mDate + +2018-04-15 + +ROF as +“4/15/2018” + +ProrationItemPaidThr +oughDate + +2018-04-30 + +ROF as “to +4/30/2018” + +12.8 + +City/Town Taxes + +ProrationItemType + +TownPropertyTax + +ROF as +“City/Town Taxes” + +12.8 + +City/Town Taxes + +@gse:DisplayLabelTex +t + +City/Town Taxes + +Second Instance of PRORATION_ITEM + +12.11 + +N/A – XML + +…/PRORATION_IT +EM + +IntegratedDisclosureS +ectionType + +PaidAlreadyByOrOn +BehalfOfBorrowerA +tClosing + +Not Shown + +12.11 + +N/A - XML + +12.11.1 Utilities ($) + +12.11 + +Utilities +DD/MM/YYYY to +DD/MM/YYYY + +IntegratedDisclosureS +ubsectionType + +AdjustmentsForIte +msUnpaidBySeller + +Not Shown + +ProrationItemAmount 100.00 + +ROF as “100.00” + +ProrationItemPaidFro +mDate + +2018-04-15 + +ROF as +“4/15/2018” + +Appendix E: UCD Implementation Guide + +Page 180 of 254 + +Version 1.4 + +Uniform Closing Dataset + +12.0 L. Paid Already by or on Behalf of Borrower at Cl osing + +Table 122. Adjustments for Items Unpaid by Seller + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +12.11 + +Utilities +DD/MM/YYYY to +DD/MM/YYYY + +12.11 + +Utilities + +ProrationItemPaidThr +oughDate + +2018-04-30 + +ROF as +“4/30/2018” + +ProrationItemType + +Utilities + +ROF as “Utilities” + +@gse:DisplayLabelTex +t + +Utilities + +Figure 107. Adjustments for Items Unpaid by Seller + +A. FOR MORE I NFORMATI ON + +12.0 | 12.0.1 Reg §1026.38(j)(2)(i) pp. 80125, 80357, 80022. + +12.1 Reg §1026.38(j)(2)(ii) pp. 80125, 80357, 80022. + +12.2 Reg §1026.38(j)(2)(iii) pp. 80125, 80357, 80022. diff --git a/chunks/txt/cc160f1cf82e554f94d7be35ef11f01d604302ae9300006c725dd25afaf4c02d.txt b/chunks/txt/cc160f1cf82e554f94d7be35ef11f01d604302ae9300006c725dd25afaf4c02d.txt new file mode 100644 index 0000000000000000000000000000000000000000..7bfc56339854ba6927e0ae740481a443f4ed11eb --- /dev/null +++ b/chunks/txt/cc160f1cf82e554f94d7be35ef11f01d604302ae9300006c725dd25afaf4c02d.txt @@ -0,0 +1,30 @@ +19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. + +20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any +agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a +predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or +occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). + +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +21. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name] provided +significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to perform +the assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the +mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data +collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any +state, the District of Columbia, or other jurisdictions. Any person or entity who receives this appraisal report in accordance with the foregoing +may choose to store, copy, reproduce, analyze, use and distribute this appraisal report in whole or in part in any format for internal or external +purposes without having to obtain the appraiser’s or supervisory appraiser’s (if applicable) consent. A person or entity who receives a copy +of an appraisal report does not become an intended user, unless the appraiser identifies such person as an intended user. The appraiser and +supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to the mortgage finance transaction +and related activities for which this appraisal report was prepared. diff --git a/chunks/txt/cc276161f3df1d916d332127c232f55de147861d6a4a315bb8a2dffee74a46db.txt b/chunks/txt/cc276161f3df1d916d332127c232f55de147861d6a4a315bb8a2dffee74a46db.txt new file mode 100644 index 0000000000000000000000000000000000000000..dfae7a665a9cb72bb81b57951c134fe7af99e99b --- /dev/null +++ b/chunks/txt/cc276161f3df1d916d332127c232f55de147861d6a4a315bb8a2dffee74a46db.txt @@ -0,0 +1,23 @@ +The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous +wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this +appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or +warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this +appraisal report must not be considered as an environmental assessment of the property. + +The FHA Appraiser does not guarantee that the Property is free from defects. The appraisal establishes the value of the Property for mortgage +insurance purposes only. + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. diff --git a/chunks/txt/cc3268a43cec3361d21f67d8e7fd465025908d5ccd2e9046bcb0110e2116d349.txt b/chunks/txt/cc3268a43cec3361d21f67d8e7fd465025908d5ccd2e9046bcb0110e2116d349.txt new file mode 100644 index 0000000000000000000000000000000000000000..291134ae48765ecc64f41cff4bd77780dd72e1fc --- /dev/null +++ b/chunks/txt/cc3268a43cec3361d21f67d8e7fd465025908d5ccd2e9046bcb0110e2116d349.txt @@ -0,0 +1,34 @@ +Aggregators may resubmit a UCD file to Fannie Mae if the Casefile ID was transferred to them by the correspondent. The DU-generated Casefile ID or the UCD-generated Casefile ID *must be included* when they resubmit the file. There are no additional data requirements, such as identifying that the UCD file was previously submitted by a correspondent. + +**Q42. Where can I find the Average Prime Offer Rate (APOR)?** + +Refer to [https://ffiec.cfpb.gov/tools/rate-spread](https://ffiec.cfpb.gov/tools/rate-spread) for information on how to calculate the APOR. + +campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + +![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + +### Have questions? + +Get answers to your policy and guide questions, straight from the source. + +[Get Started **](/applications-technology/ask-poli) + +###### Work with Fannie Mae + +- [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + +###### Products & Solutions + +- [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) + +###### Support & Resources + +- [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts) + - [Guide Forms](/selling-servicing-guide-forms) + - [Learning Center](/learning-center) + - [News & Events](/news-events) + - [Report mortgage fraud](/mortgage-fraud-prevention) diff --git a/chunks/txt/cc327e4854aae17af5dd28f2935589fd94d22d38184dac7a7c03e88612152476.txt b/chunks/txt/cc327e4854aae17af5dd28f2935589fd94d22d38184dac7a7c03e88612152476.txt new file mode 100644 index 0000000000000000000000000000000000000000..33fecb346c1da6edf2329ab943b4e97b8ef0403e --- /dev/null +++ b/chunks/txt/cc327e4854aae17af5dd28f2935589fd94d22d38184dac7a7c03e88612152476.txt @@ -0,0 +1,57 @@ +Existing construction – subject +to inspections + +Qualified professional + +Professionally prepared inspection report + +The lender must determine if repairs are +required based on the result of the +inspection and verify completion of those +repairs per the requirements of this section. + +Value acceptance and property data + +Condition + +Performer + +Documentation + +Existing construction - repairs or +alterations + +Borrower + +Borrower attestation letter with supporting +evidence + +Existing construction - +inspections + +Qualified professional + +Professionally prepared inspection report + +The lender must determine if repairs are +required based on the result of the +inspection and verify completion of those +repairs per the requirements of this section. + +Note: The Completion Report with virtual inspection and attestation letters are not permitted for verifying completion for +HomeStyle Renovation transactions. For more information see SB4-1.4-11, Value Acceptance + Property Data. + +Verification of Completion: New or Proposed Construction + +When the property securing the loan is new or proposed construction, the appraisal must be based on either plans and +specifications, an existing model home, or other information sufficient to identify its quality and character to accurately report +the interior features of the proposed improvements. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 67 of 166 + +UAD 3.6 Policy + +Verification of completion of construction is required (in accordance with the requirements above) before sale of the loan to +Fannie Mae, unless the lender complies with the postponed improvements policies described below. diff --git a/chunks/txt/cc4040e518bb00738e9fee0052fbf5ab6621a194fdf4399eaabe6b450120cc0b.txt b/chunks/txt/cc4040e518bb00738e9fee0052fbf5ab6621a194fdf4399eaabe6b450120cc0b.txt new file mode 100644 index 0000000000000000000000000000000000000000..7991e0ebf6df67359eb5a10cd4b54b027ef9562d --- /dev/null +++ b/chunks/txt/cc4040e518bb00738e9fee0052fbf5ab6621a194fdf4399eaabe6b450120cc0b.txt @@ -0,0 +1,31 @@ +Selling Guide Announcement SEL-2024-07 clarified policy to resolve inconsistencies related to when a manufactured home +requires submission to Project Eligibility Review Service (PERS). The messages issued on single-width manufactured homes in a +project will be updated to reflect these clarifications. + +Limited Cash-out Refinances + +Selling Guide Announcement SEL-2024-08 added two exceptions to the requirement that at least one borrower is an owner (on +title) of the subject property at the time of the initial application for a limited cash-out refinance. The message issued on limited +cash-out refinance transactions will be updated to remind lenders to refer to the Selling Guide for these exceptions. + +Homeownership Education on Loans for Borrowers without Credit Scores + +With DU V. 12.0 updates were made to the eligibility requirements for borrowers without credit scores. On these loans when at +least one borrower has a minimum of one credit account or installment account reported on their credit report, the loan is + +© 2025 Fannie Mae. + +3.19.25 + +3 of 4 + +subject to standard eligibility guidelines. With DU V. 12.0 the message requiring homeownership education was no longer issued +on loans where no borrowers had a credit score but one borrower had at least one account on their credit report. + +DU will now issue the message requiring homeownership education for all purchase loan casefiles when no borrower on the loan +has a credit score, regardless of any accounts reported on their credit report. + +Note: Any purchase loan casefile where no borrower has a credit score resubmitted after the weekend of May 17 will include +the message requiring homeownership education. Lenders must ensure that at least one borrower on the loan completes +homeownership education prior to loan closing for purchase loans for borrowers without credit scores, even those +submitted prior to May 17 and not resubmitted after the weekend of May 17. Refer to the Selling Guide for more information. diff --git a/chunks/txt/cc43dd4ddd725c5026d3d8bdcce2bdc963188ba1138d6f53ad452d2ec6dd3244.txt b/chunks/txt/cc43dd4ddd725c5026d3d8bdcce2bdc963188ba1138d6f53ad452d2ec6dd3244.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce4dffdf74aefbde1c53e331ead5d4cfcb546314 --- /dev/null +++ b/chunks/txt/cc43dd4ddd725c5026d3d8bdcce2bdc963188ba1138d6f53ad452d2ec6dd3244.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/single-security-initiative-and-common-securitization-platform" +date_accessed: "2026-01-27T17:48:05.692Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/cc49cbec040b0bf11535880bfe50da0671d562edccf93765b883f0dfd25ee796.txt b/chunks/txt/cc49cbec040b0bf11535880bfe50da0671d562edccf93765b883f0dfd25ee796.txt new file mode 100644 index 0000000000000000000000000000000000000000..3e3997835fc6bf7b3b00aa4feed2b91f4bc18988 --- /dev/null +++ b/chunks/txt/cc49cbec040b0bf11535880bfe50da0671d562edccf93765b883f0dfd25ee796.txt @@ -0,0 +1,64 @@ + + + +… + + +UCD v2.0 Implementation Guide + +- 69 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +J. PROJECTED PAYMENTS TABLE DATA + +The Projected Payments table has two sections: “Payment Calculation” on the top, which captures how payments can change +over the life of the loan, and “Estimated Taxes, Insurance & Assessments” (ETI&A) on the bottom, which lists additional +property costs and indicates whether they are paid out of an escrow account. Two container structures support the two +halves of the table. ESTIMATED_PROPERTY_COST appears first because it precedes PROJECTED_PAYMENTS alphabetically. + +Table 37. XML File Container Structure for Projected Payments Table Data. + +UCD UID + +Container Name + +UCD Usage Notes + +999.129 + +ESTIMATED_PROPERTY_COST + +999.130 ESTIMATED_PROPERTY_COST_COMPONENTS + +Holds two child containers – one with data points supporting the ETI&A +line items and one holding the total ETI&A amount. + +Holds one or more instances of ESTIMATED_PROPERTY_COST_ +COMPONENT, depending on the number of ETI&A line items on the CD. + +999.131 ESTIMATED_PROPERTY_COST_COMPONENT + +Holds ETI&A line item data points. + +999.132 ESTIMATED_PROPERTY_COST_DETAIL + +Holds one data point with the total monthly ETI&A amount. + +… + +999.153 PROJECTED_PAYMENTS + +999.154 PROJECTED_PAYMENT + +Holds one or more instances of PROJECTED_PAYMENT, depending on the +number of projected payment line items on the CD. + +Holds “Projected Payments” table payment calculation payment range +data points. At least one but no more than four instances may be +provided to support the limit of four payment ranges on the CD. This is +reflected in the cardinality for PROJECTED_PAYMENT of “1:4”. diff --git a/chunks/txt/cc59ecfb262a8c689e6508fd9500ec7a6efeca91bbfac0b18c10ad22a70d77cc.txt b/chunks/txt/cc59ecfb262a8c689e6508fd9500ec7a6efeca91bbfac0b18c10ad22a70d77cc.txt new file mode 100644 index 0000000000000000000000000000000000000000..9257f1df209763b368397196a60f8ac724eeeb47 --- /dev/null +++ b/chunks/txt/cc59ecfb262a8c689e6508fd9500ec7a6efeca91bbfac0b18c10ad22a70d77cc.txt @@ -0,0 +1,32 @@ +Appraisers that are not familiar with specific real estate markets may not have adequate information available to perform a +reliable appraisal. Although the Uniform Standards of Professional Appraisal Practice (USPAP) allows an appraiser that does not +have the appropriate knowledge and experience to accept an appraisal assignment by providing procedures with which the +appraiser can complete the assignment, Fannie Mae does not allow the USPAP flexibility. + +Selection of the Appraiser + +The lender + +• + +is responsible for the selection of appraisers and for the qualifications and quality of work provided by the appraisers +that are selected. + +• may not use appraisals ordered or received by borrowers or other parties with an interest in the transaction, such as the +property seller or real estate agent. Fannie Mae does allow lenders to use third-party vendors (for example, appraisal +management companies) to manage the appraiser selection process. However, it should be noted that if a lender enters +into a contract with any vendor, contractor, or third-party service provider, the lender is accountable for the quality of +the work performed as if it was performed by an employee of the lender. + +The lender (or its authorized agent) must + +• + +• + +establish policies and procedures to ensure that qualified individuals are being selected in accordance with Fannie Mae +requirements, including the Appraiser Independence Requirements. +ensure that an appraiser has demonstrated the ability to perform high-quality appraisals before using an appraiser’s +services. The quality of an appraiser’s work is a key criterion that must be used in determining which appraiser the lender +(or its authorized agent) uses for its assignments. The requirement for an appraiser to produce a high-quality work +product must always outweigh fee or turnaround time considerations. diff --git a/chunks/txt/cc65c0a692d9293fa27af1efcc6e843a536ccb802c018656f7d8ee1bd3cb3da8.txt b/chunks/txt/cc65c0a692d9293fa27af1efcc6e843a536ccb802c018656f7d8ee1bd3cb3da8.txt new file mode 100644 index 0000000000000000000000000000000000000000..7596ce652db8d8d65b1e2f3bd3433f2d8bd32913 --- /dev/null +++ b/chunks/txt/cc65c0a692d9293fa27af1efcc6e843a536ccb802c018656f7d8ee1bd3cb3da8.txt @@ -0,0 +1,69 @@ +• Some rooms may have vaulted ceilings, +and custom design elements such as built- + +Custom fenestration and +doorways using exceptional +grade materials and +engineering; featuring keystones +or detailed mouldings +throughout. + +• Roof designs using premium +materials designed for longevity +and resistance to weather; often +featuring large ornamental +overhangs, multiple hips and +valleys, or steep pitches. + +• Exterior walls constructed +using exceptional grade +materials, often featuring +multiple corners, unique angles +and shapes, and extensive use of +trim or decorative adornments. + +• Multiple windows and +doorways constructed with high- +end materials, featuring custom +design particularly at the front +and rear entry and often +featuring keystones or other +decorative adornments. + +• Roof designs using high-end +roof materials; typically +featuring ornamental overhangs, +steep pitches, and multiple +ridges, hips and valleys, and +gables. + +• Exterior walls constructed +using high-end materials and +featuring multiple corners with +angled walls, unique shapes, +and custom trim at focal points. + +• Multiple windows and +doorways constructed with +upgraded materials and +featuring decorative design + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 92 of 166 + +UAD 3.6 Policy + +complexity and some +customization in the structural +design, amenities, and finishes. A +Q3 dwelling can contain a mixture +of premium and standard level +materials or amenities. They are +often characterized as "semi- +custom" new construction, or as +pre-existing dwellings that are +upgraded using some premium +materials or amenities. + +Q4 diff --git a/chunks/txt/cc7e753bd8b39568e9935eb31bd36d8823c103a7cbc541cb8e8dfae6ab224d82.txt b/chunks/txt/cc7e753bd8b39568e9935eb31bd36d8823c103a7cbc541cb8e8dfae6ab224d82.txt new file mode 100644 index 0000000000000000000000000000000000000000..ebece40d943315a0ebc33806ebeec9d4106f8e22 --- /dev/null +++ b/chunks/txt/cc7e753bd8b39568e9935eb31bd36d8823c103a7cbc541cb8e8dfae6ab224d82.txt @@ -0,0 +1,131 @@ +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Summary + +List Price + +Always + +If available + +Dollar amount + +Report +Field ID + +22.15.02 +22.15.05 + +Subject Listing +Information +• + +List Price 19.009 +for most recent +listing + +Contract Price Unknown +is only applicable to +comparables + +Sales Contract +• + +Contract Price +20.004 + +Sale Price is only +applicable to +comparables + +Net Adjustment Total is +only applicable to +comparables + +Adjusted Price Per Unit +is only applicable to +comparables + +No + +List Price: The last known list price for the transaction. + +This row redisplays from the General Information subsection 22.01.02, +22.01.20. + +Contract Price Unknown +• + +Yes (Unknown - the comparable has been included in the sales +grid, but the contract price is unknown.) +No (Contract Price is known and must be provided) + +• + +If relevant, this row redisplays from the General Information subsection +22.01.04, 22.01.22. + +No + +No + +No + +This row redisplays from the General Information subsection 22.01.23. + +No + +Calculated: The sum of all Adjustment Amounts for the comparable. Can +be positive, negative, or 0. + +No + +Calculated: Adjusted Price of Comparable / Units Excluding ADUs + +22.15.06 + +Contract Price + +If relevant + +Yes | No + +Required when Listing +Status is Pending, and +the row is included in +the sales comparison +grid + +22.15.03 +22.15.06 + +Contract Price + +If relevant + +Required if Contract +Price Unknown is No + +Dollar amount + +22.15.07 + +Sale Price + +Always + +Required if Listing +Status is Settled Sale + +Dollar amount + +22.15.08 Net diff --git a/chunks/txt/cc852773105cdb81041ea657e24aa58c92a4bcd3886e54a2ae685ef939fb80da.txt b/chunks/txt/cc852773105cdb81041ea657e24aa58c92a4bcd3886e54a2ae685ef939fb80da.txt new file mode 100644 index 0000000000000000000000000000000000000000..362fd6d61d7fca5ad4955950275e0cf14b5fe058 --- /dev/null +++ b/chunks/txt/cc852773105cdb81041ea657e24aa58c92a4bcd3886e54a2ae685ef939fb80da.txt @@ -0,0 +1,29 @@ +Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2) + +Uniform Residential Appraisal Report + +Page 23 of 24 +Page 23 of 24 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), +age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present +or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis +prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to +the assumptions and limiting conditions in this appraisal report. diff --git a/chunks/txt/cc89f8d4d5d2a7795ed8caac92575004353af2e81d6eaab019a1539955fc1cbc.txt b/chunks/txt/cc89f8d4d5d2a7795ed8caac92575004353af2e81d6eaab019a1539955fc1cbc.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b8937ad6c727d5273a1c7391848e0427b572ff1 --- /dev/null +++ b/chunks/txt/cc89f8d4d5d2a7795ed8caac92575004353af2e81d6eaab019a1539955fc1cbc.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs/housing-finance-examiner-commission" +date_accessed: "2026-01-27T17:47:55.373Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/cc8a238590793a2246c05e47cf987b57898e6dfe05665536de70200420e810e9.txt b/chunks/txt/cc8a238590793a2246c05e47cf987b57898e6dfe05665536de70200420e810e9.txt new file mode 100644 index 0000000000000000000000000000000000000000..0fefbb54eb39c85e5534e1ad6c93fac7d96eb29d --- /dev/null +++ b/chunks/txt/cc8a238590793a2246c05e47cf987b57898e6dfe05665536de70200420e810e9.txt @@ -0,0 +1,5 @@ +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 141 + +Disaster Mitigation Commentary ............................................................................................................................................................................................. 141 + +Disaster Mitigation Exhibits ...................................................................................................................................................................................................... 142 diff --git a/chunks/txt/cc9236c78de7867911b210fdbeebacafb81c389b3a1662de34fbd2dad7397777.txt b/chunks/txt/cc9236c78de7867911b210fdbeebacafb81c389b3a1662de34fbd2dad7397777.txt new file mode 100644 index 0000000000000000000000000000000000000000..53183036c5e70e24c1624dd99ef9d9841e3241b9 --- /dev/null +++ b/chunks/txt/cc9236c78de7867911b210fdbeebacafb81c389b3a1662de34fbd2dad7397777.txt @@ -0,0 +1,50 @@ +Apr 21, +2025 + +ULI Data +Validation + +On February 24, 2025, Loan Delivery introduced new warning edits 2821, 2855, 2856, and 2857 +to support the delivery of the Universal Loan Identifier (ULI) when applicable. These edits +apply to Sort ID 403.1 and are fatal effective April 21, 2025. See ULDD Phase 5 +Implementation Considerations for details. + +Apr 21, +2025 + +May 18, +2025 + +Edit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing + +of effective edit updates including: + +• + +• + +• + +23 new informational edits to validate CPM delivery restrictions and system +availability, Value Acceptance, and Appraisal +23 warning edits to validate appraisal, eMortgages, legal entity, Green mortgages, +Value Acceptance, income, and HomeStyle Renovation eligibility +5 fatal edits to validate borrower address and Universal Loan Identifier (ULI). + +AMI Updates Area median incomes (AMIs) for 2025 will be implemented in Desktop Underwriter® (DU®) and +HomeReady® application programming interfaces (APIs), Loan Delivery, and the Area Median +Income Lookup Tool effective May 18. The AMIs will continue to be applied in DU based on +the casefile create date while the Application Received Date provided in Loan Delivery will be +used to determine which AMI limit to use when evaluating eligibility for the loan-level price +adjustment (LLPA) waiver. See the Area Median Incomes 2025 Selling Notice for more details. + +May 19, +2025 + +MBS +Enhancements + +Loan Delivery will introduce enhancements that provide additional transparency in the MBS +loan delivery process and a self-service model to handle exceptions real-time as they +occur. These updates relate to the exceptions which occur post-submission and may have +previously required manual resolution with Fannie Mae’s Acquisitions Operations team. diff --git a/chunks/txt/cc943a150ad986229a1e6e53d6c3c29e6d03d2cf2ae7b71a2f22f0a761d5f8de.txt b/chunks/txt/cc943a150ad986229a1e6e53d6c3c29e6d03d2cf2ae7b71a2f22f0a761d5f8de.txt new file mode 100644 index 0000000000000000000000000000000000000000..92c80168d02949c2a2b4d78cff13f8fac51f5cde --- /dev/null +++ b/chunks/txt/cc943a150ad986229a1e6e53d6c3c29e6d03d2cf2ae7b71a2f22f0a761d5f8de.txt @@ -0,0 +1,74 @@ +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb +orhoodLocationType='Suburban'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@PropertyNeighb +orhoodLocationType='Rural'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange +Type='Over75Percent'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange +Type='25To75Percent'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_BuiltupRange +Type='Under25Percent'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy +pe='Rapid'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy +pe='Stable'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_GrowthPaceTy +pe='Slow'] + +Neighborhood +Property Value +Trend Type +Neighborhood +Property Value +Trend Type +Neighborhood +Property Value +Trend Type +Neighborhood +Demand Supply +Type +Neighborhood +Demand Supply +Type + +Specifies the current trend of property +values in the neighborhood. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue +TrendType='Increasing'] + +Specifies the current trend of property +values in the neighborhood. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue +TrendType='Stable'] + +Specifies the current trend of property +values in the neighborhood. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue +TrendType='Declining'] + +Specifies the state of market demand +versus the supply of properties in the +neighborhood. +Specifies the state of market demand +versus the supply of properties in the +neighborhood. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl +yType='Shortage'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl +yType='InBalance'] + +8 + +8 diff --git a/chunks/txt/cca14aa3373c1fd5b77704949512e035e9a948996845903bcb059cec450473ec.txt b/chunks/txt/cca14aa3373c1fd5b77704949512e035e9a948996845903bcb059cec450473ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..64532b275bdbce37d133f5a87931514bd8bf9851 --- /dev/null +++ b/chunks/txt/cca14aa3373c1fd5b77704949512e035e9a948996845903bcb059cec450473ec.txt @@ -0,0 +1,142 @@ +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +4.4.2 + +Does the loan have +these features? + +…/LOAN_DETAIL + +PrepaymentPenalty +Indicator + +false + +Represented as +“NO” on form + +b. YES--LOAN HAS A PREPAYMENT PENALTY FEATURE + +If a prepayment penalty is a feature of the loan, the maximum possible prepayment penalty amount and the +period during which it may be imposed must be disclosed, using the language illustrated in the figure below. + +4.0 Loan Terms + +Does the loan have these features? + +4.4 Prepayment Penalty + +4.4.2 YES + +4.4.3 • As high as $1,000 if you pay off the loan + +during the first 5 years + +4.5 Balloon Payment + +4.5.2 NO + +4.4.3 • You will have to pay $149,263 at the + +end of year 7. + +Appendix E: UCD Implementation Guide + +Page 76 of 254 + +Version 1.4 + +Uniform Closing Dataset + +4.0 Loan Terms + +Figure 49. Loan Has Prepayment Penalty + +Table 67. Prepayment Penalty Terms + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +4.4.2 + +Does the loan have +these features? + +…/LOAN_DETAIL + +PrepaymentPenalt +yIndicator + +true + +Represented as +“YES” on form + +…/PREPAYMENT_P +ENALTY_LIFETIME_ +RULE + +PrepaymentPenalt +yExpirationMonths +Count + +60 + +PrepaymentPenalt +yMaximumLifeOfLo +anAmount + +1000 + +Represented as “5 +Years” on form + +Represented as +“$1,000” on form + +4.4.3 + +4.4.3 + +As high as $n if you +pay off the loan +during the first n +years + +As high as $n if you +pay off the loan +during the first 5 +years + +4. 5 BALLOON PAYMENT + +The Loan Terms table includes a statement about whether the loan has a balloon payment feature. The +Regulation defines a P&I or interest-only payment as being a balloon payment if it is more than two times any +one regular periodic payment during the loan term; unless it is itself a regular periodic payment. A regular +periodic payment is one that is made under the terms of the loan contract for two or more periods in +succession. diff --git a/chunks/txt/ccb595d8bbca46569bd3d705b5fb249f88932d256ab050b03534c2384c094b50.txt b/chunks/txt/ccb595d8bbca46569bd3d705b5fb249f88932d256ab050b03534c2384c094b50.txt new file mode 100644 index 0000000000000000000000000000000000000000..10836be10edf53a17eed9ea1606d0c4143b335c3 --- /dev/null +++ b/chunks/txt/ccb595d8bbca46569bd3d705b5fb249f88932d256ab050b03534c2384c094b50.txt @@ -0,0 +1,18 @@ +STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is +subject to the following assumptions and limiting conditions: + +1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, +except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser +assumes that the title is good and marketable and will not render any opinions about the title. + +2. The appraiser has included a floor plan in this appraisal report that shows the approximate dimensions of the improvements. The +floor plan is included only to assist the reader in visualizing the property and understanding the appraiser’s determination of its size. + +3. The appraiser has relied on data provided by third-parties in this appraisal report. Such data may include, but is not limited to, +flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, +property data services, surveys, engineering reports, and property data aggregations. After examination of the data and data +sources, the appraiser has used only the data he or she considers reliable. The appraiser assumes there are no material omissions +and makes no guarantees, express or implied, regarding the accuracy of this data. + +4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. diff --git a/chunks/txt/ccbcc59764eac295893ce9fdc3e1f082fe1e5e1e31b028b7ea8fcbaa127a4411.txt b/chunks/txt/ccbcc59764eac295893ce9fdc3e1f082fe1e5e1e31b028b7ea8fcbaa127a4411.txt new file mode 100644 index 0000000000000000000000000000000000000000..6fa39557669db75be84e02af28a5aa652c7fb49c --- /dev/null +++ b/chunks/txt/ccbcc59764eac295893ce9fdc3e1f082fe1e5e1e31b028b7ea8fcbaa127a4411.txt @@ -0,0 +1,169 @@ +Refer to Appendix E for PDF Rendering and Parsing Instructions + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +R + +R + +R + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 187 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +SALES +COMPARISON +APPROACH + +Sale Price + +Property Sales +Amount + +The sales price of the referenced property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/@Proper +tySalesAmount + +11 + +Money + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +PDF Display Format: +Whole dollars only + +This field is required if field 1-33 (Appraisal +Purpose Type = 'Purchase') is indicated. + +CR + +235 + +236 + +2 + +2 + +13 + +14 + +SALES +COMPARISON +APPROACH + +Sale Price/Gross Liv. Area + +Sales Price Per +Gross Living Area +Amount + +The sales price in terms of dollars per +square foot of gross living area. This is a +ratio between the sales price and an area, +but it is a monetary value rather than a +factor or rate. (CALCULATED +RESULTS FIELD) + +237 + +2 + +e-14 + +SALES +COMPARISON +APPROACH + +Location + +GSE Overall +Location Rating +Type + +The overall rating of the location +associated with the property. + +238 + +2 + +e-15 + +SALES +COMPARISON +APPROACH + +Location + +GSE Location Type + +The type of location influences associated +with the property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/@SalesP +ricePerGrossLivingAreaAmount diff --git a/chunks/txt/ccbd27ad205fc40f7247ec94cf60066ab0ae96037ef3e59b13f4425c84ab0389.txt b/chunks/txt/ccbd27ad205fc40f7247ec94cf60066ab0ae96037ef3e59b13f4425c84ab0389.txt new file mode 100644 index 0000000000000000000000000000000000000000..1805167732f941dd2e18067df440ed69f294390b --- /dev/null +++ b/chunks/txt/ccbd27ad205fc40f7247ec94cf60066ab0ae96037ef3e59b13f4425c84ab0389.txt @@ -0,0 +1,106 @@ +Data Source Type +Other Description + +A free-form text field used to describe the +data source type if Other is selected as the +Structure Data Source Type. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D +ATA_SOURCE[@DataSourceType='Other']/@DataSourceTypeOtherDescri +ption + +135 + +IMPROVEMENTS + +Data Source(s) for Gross Living +Area + +Gross Living Area +Square Feet Data +Source Description + +A free-from text field describing where +the value of Gross Living Area Square +Feet Count came from. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@GrossLivingAr +eaSquareFeetDataSourceDescription + +136 + +IMPROVEMENTS + +Units +One + +Structure Accessory +Unit Exists Indicator + +Indicates that the structure has an +accessory unit. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@LivingUnitCou +nt='1' and @_AccessoryUnitExistsIndicator='N'] + +137 + +IMPROVEMENTS + +Units +One with Accessory Unit + +Structure Accessory +Unit Exists Indicator + +Indicates that the structure has an +accessory unit. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@LivingUnitCou +nt='1' and @_AccessoryUnitExistsIndicator='Y'] + +138 + +IMPROVEMENTS # of Stories + +GSE Stories Count + +139 + +IMPROVEMENTS + +140 + +IMPROVEMENTS + +141 + +IMPROVEMENTS + +Building Type +Det. + +Building Type +Att. + +Building Type +S-Det./End Unit + +Attachment Type + +Attachment Type + +Attachment Type + +The number of whole or partial stories of +the property. + +Specifies the type of physical attachment, +if any, between the dwelling unit and +adjacent dwelling units. +Specifies the type of physical attachment, +if any, between the dwelling unit and +adjacent dwelling units. +Specifies the type of physical attachment, +if any, between the dwelling unit and +adjacent dwelling units. diff --git a/chunks/txt/ccd8253181bdf378c2ab92fc1983c3e960d424d1515a14262ad6d479caf55bf5.txt b/chunks/txt/ccd8253181bdf378c2ab92fc1983c3e960d424d1515a14262ad6d479caf55bf5.txt new file mode 100644 index 0000000000000000000000000000000000000000..e89b9e877c3b18ea3b08efad81f2248a9b036a28 --- /dev/null +++ b/chunks/txt/ccd8253181bdf378c2ab92fc1983c3e960d424d1515a14262ad6d479caf55bf5.txt @@ -0,0 +1,61 @@ +Data Field +Conditionality 1004 +Desktop/70D + +Indicates whether the total +adjustments made to the property +sales price during the application of +the Sales Comparison approach were +positive. This field is specific to the +appraisal forms. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +and +@SalesPriceTotalAdjustmentPositiveIndicator=' +N'] + +The dollar value of the total +adjustments made to a comparable +property sales price during the +application of the Sales Comparison +approach to determine the market +value of the subject property. +(CALCULATED RESULTS FIELD) + +The percentage of the net sales price +adjustments to the sales price of a +property during the application of the +sales comparison approach to +property valuation. (CALCULATED +RESULTS FIELD) +The percentage of the gross sales +price adjustments (i.e. sum of the +absolute adjustment values) to the +sales price of a property during the +application of the sales comparison +approach for property valuation. +(CALCULATED RESULTS FIELD) +The sales price of a property after it +has been adjusted during the +application of the Sales Comparison +approach for property valuation. +Indicates that the sales or transfer +history research of the subject +property and comparable sales was +performed. +Indicates that the sales or transfer +history research of the subject +property and comparable sales was +performed. +A free-form text field used to describe +or comment on why the sales or +transfer history research of the subject +property and comparable sales was +not performed. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/@SalePriceTotalAdjustmentAmount diff --git a/chunks/txt/cceace409fa6f57232d08c11322f8a05ce5d9c24c680056b243db6f5b229a49e.txt b/chunks/txt/cceace409fa6f57232d08c11322f8a05ce5d9c24c680056b243db6f5b229a49e.txt new file mode 100644 index 0000000000000000000000000000000000000000..c41fdf75405accb76dd7d7b63f414f6ab69fae15 --- /dev/null +++ b/chunks/txt/cceace409fa6f57232d08c11322f8a05ce5d9c24c680056b243db6f5b229a49e.txt @@ -0,0 +1,142 @@ +Uniform Closing Dataset + +20.0 Adjustable Interest Rate (AIR) Table + +Table 144. AIR Table – Step Rate Mortgage + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +…/INTEREST_RATE_A +DJUSTMENT/INTERE +ST_RATE_PER_CHAN +GE_ADJUSTMENT_R +ULES/INTEREST_RAT +E_PER_CHANGE_ADJ +USTMENT_RULE + +First Change + +20.4 | +20.6 | +4.2.3(1) + +20.6 + +Limits on Interest +Rate Changes – First +Change + +20.1 | +20.4 | +4.2.3(1) + +Change Frequency- +First Change + +AdjustmentRuleType First + +PerChangeMaximum +IncreaseRatePercent + +1.0000 + +PerChangeRateAdjus +tmentFrequencyMon +thsCount + +12 + +Second Instance of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE + +20.5 | +20.7 + +Subsequent Change …/INTEREST_RATE_P +ER_CHANGE_ADJUST +MENT_RULE + +AdjustmentRuleType Subsequent + +ROF as “First +Change” for both +Change Frequency +and Limits + +ROF as “1%” + +ROF as “Every 12 +months” + +ROF as “Subsequent +Change” for both +Change Frequency +and Limits + +ROF as “1%” + +20.7 + +Limits on Interest +Rate Changes- +Subsequent Change + +20.1 | +20.5 + +Change Frequency- +Subsequent Change + +PerChangeMaximum +IncreaseRatePercent + +1.0000 + +PerChangeRateAdjus +tmentFrequencyMon +thsCount + +12 + +ROF as “Every 12 +months after first +change” + +End of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE Instances + +20.2 | +4.2.1 + +Initial Interest Rate + +…/LOAN/TERMS_OF_ +LOAN + +NoteRatePercent + +2.0000 + +ROF as “2%” + +3. MAPPI NG GUI DANCE + +The structure of the AIR Table means that if the step rate mortgage has a regular adjustment schedule, the +same change frequency and change rate are disclosed for both the first and subsequent adjustments. + +20.1 and 20.3 INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE holds the data points specifying the floor and +ceiling interest rates and the date of the first rate change. An EXTENSION to +INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE captures the number of times the interest rate is scheduled to +change. The reason the “Lifetime” rule is used is that these terms are known at the time the loan is closed and +are in effect for the entire life of the loan. CeilingRatePercent and FirstRateChangeMonthsCount support values +disclosed in both the Loan Terms and AIR Tables, but appear in the XML file only once. diff --git a/chunks/txt/ccf1c78472af3703e3b40f65aec02c2c0f313430907d9eca1b6d9722af8f18a2.txt b/chunks/txt/ccf1c78472af3703e3b40f65aec02c2c0f313430907d9eca1b6d9722af8f18a2.txt new file mode 100644 index 0000000000000000000000000000000000000000..19fc005c067c1f0bcc12a8d3b46b799782b479c5 --- /dev/null +++ b/chunks/txt/ccf1c78472af3703e3b40f65aec02c2c0f313430907d9eca1b6d9722af8f18a2.txt @@ -0,0 +1,112 @@ +Report +Field ID + +Report Label + +When to Include + +09.025 Appraiser or +Supervisory +Appraiser + +09.028 N/A + +09.027 Date of + +Signature and +Report + +09.029 + +Level + +Always displays for +each person signing +the report + +Always displays for +each person signing +the report + +Always displays for +each person signing +the report + +Always displays for +each person signing +the report + +Signature + +Allowable +Answers / Format + +Appraiser or +Supervisory +Appraiser + +Free-form + +Definition / Additional Guidance + +Contact Name +The full name of the appraiser or supervisory appraiser, as it appears on the +Appraisal Subcommittee website. + +Note: Redisplays from 08.013 (Appraiser) or 08.028 (Supervisory Appraiser). + +mm/dd/yyyy + +The date the Completion Report was signed. +Note: If revisions are performed, the report must reflect the new date. + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Credential Type +• + +None (includes noncredentialled appraiser trainees or jurisdictions that +do not provide credentials to appraiser trainees) +Certified General +Certified Residential +Licensed Residential +Trainee Appraiser (appraiser trainees with an issued credential, also +referred to as Registered Trainee) +Other (Describe) + +• +• +• +• + +• + +09.030 + +ID + +Displays if Credential +Type is not None + +Free-form + +09.031 + +State + +Displays if Credential +Type is not None + +2-letter USPS state +code + +Note: Redisplays from 08.020 (Appraiser) or 08.035 (Supervisory Appraiser). + +The credential as reported by the ASC. Commonly referred to as “credential +number,” “license number,” or “certification number.” +Note: Redisplays from 08.021 (Appraiser) or 08.036 (Supervisory Appraiser). diff --git a/chunks/txt/ccfdc6efe07a571b7ab594ee6749bafc47a688aede93f7efa919be0ef83cd7e7.txt b/chunks/txt/ccfdc6efe07a571b7ab594ee6749bafc47a688aede93f7efa919be0ef83cd7e7.txt new file mode 100644 index 0000000000000000000000000000000000000000..678c89c84131ac19aeebd75951a20b3e01666d59 --- /dev/null +++ b/chunks/txt/ccfdc6efe07a571b7ab594ee6749bafc47a688aede93f7efa919be0ef83cd7e7.txt @@ -0,0 +1,89 @@ +The subject is for sale by owner and currently pending with a current list price of $160,000. + +Key Characteristics + +• Connected to public electricity and water, and private cesspool +• Construction Method: Site Built +• Attachment Type: Detached +• Property Rights: Mineral Rights not included +• Defects, Damages, Deficiencies have been identified +• + +Includes Income Approach +o Rent Schedule +o Gross Rent Multiplier Comparables + +• Parties associated with this transaction: + +o Appraiser (Trainee) +o Supervisory Appraiser (did not inspect) + +• + +Includes Revision History and Supplemental Information sections + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. + +This cover section, including Introduction and Key Characteristics, + +is not part of the URAR. + +Uniform Residential Appraisal Report + +12345 HOLIDAY HWY, SURFSIDE, HI 12345 + +SUMMARY + +Opinion of Market Value + +$195,000 + +Market Value Condition + +As Is + +Effective Date of Appraisal +Assignment Reason +Borrower Name +Current Owner of Public Record +Contract Price +Listing Status + +10/05/2019 +Purchase +Betty Borrower +Sydney Seller +$160,000 +Pending + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +Tom Appraiser + +Property Description + +Construction Method +Attachment Type + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +2 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? diff --git a/chunks/txt/cd0252583311f9b0fd776b65a85efd03abe06004cc7ad7e7861780c64869d7c2.txt b/chunks/txt/cd0252583311f9b0fd776b65a85efd03abe06004cc7ad7e7861780c64869d7c2.txt new file mode 100644 index 0000000000000000000000000000000000000000..18a1cff29ef060979284b233d6ae4f372914b854 --- /dev/null +++ b/chunks/txt/cd0252583311f9b0fd776b65a85efd03abe06004cc7ad7e7861780c64869d7c2.txt @@ -0,0 +1,82 @@ +The twenty-six sections under Chapter 3 organize and describe each UCD v2.0 data point under DEAL in MISMO v3.3.0 schema +order. The I-Guide follows this structure starting with “A. Subject Property Data” and ending with “Z. Conditional Parties +Data”. + +A. SUBJECT PROPERTY DATA + +The UCD XML file collects limited information about the subject property. The container names identify the types of + +information to be provided. + +Table 6. XML File Container Structure for Subject Property Data. + +UCD +Unique ID + +Container Name + +Notes + +999.017 + +DEAL + +Parent container of all UCD XML file containers and data +supporting the CD. + +999.020/999.5 +97 + +COLLATERALS/COLLATERAL + +Holds one instance of COLLATERAL describing the subject (real) +property. + +999.024 + +SUBJECT_PROPERTY + +Holds containers that categorize subject property information. + +999.025 + +ADDRESS + +▪ Holds address data points. + +▪ In MISMO v3.3.0, ADDRESS is “reusable” which means it has +more than one parent container. The only way to know the +context of an ADDRESS container is to rely on the XPath to +identify the parent container for meaning. In this case, the +parent container, SUBJECT_PROPERTY lets us know. + +Holds one data point: UnparsedLegalDescription. + +999.026/999.0 +27/999.028/99 +9.029 + +LEGAL_DESCRIPTIONS/LEGAL_DESCRIPTI +ON/UNPARSED_LEGAL_DESCRIPTIONS/U +NPARSED_LEGAL_DESCRIPTION + +999.030 + +PROPERTY_DETAIL + +Holds property characteristics data points. + +999.031 +/999.032/999. +033 + +PROPERTY_VALUATIONS/PROPERTY_VAL +UATION/PROPERTY_VALUATION_DETAIL + +Holds property valuation information. + +999.034/999.0 +35/999.036 + +SALES_CONTRACTS/SALES_CONTRACT/ +SALES_CONTRACT_DETAIL diff --git a/chunks/txt/cd02f56470410dbe353599984df6faad6ccd50106eb2a77e54263d7c62b6fe08.txt b/chunks/txt/cd02f56470410dbe353599984df6faad6ccd50106eb2a77e54263d7c62b6fe08.txt new file mode 100644 index 0000000000000000000000000000000000000000..c05c93af98f32e81a0848918f328b72faa024c34 --- /dev/null +++ b/chunks/txt/cd02f56470410dbe353599984df6faad6ccd50106eb2a77e54263d7c62b6fe08.txt @@ -0,0 +1,88 @@ +This unit has a water view of the river and is +larger in size when compared to the subject. + +Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1) + +Uniform Residential Appraisal Report + +Page 14 of 18 +Page 14 of 18 + +Sales Comparison Approach (continued) + +New Pg + +Sales Comparison Map + +Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1) + +Uniform Residential Appraisal Report + +Page 15 of 18 +Page 15 of 18 + +Sales Comparison Approach (continued) + +New Pg + +Sales Comparison Approach Exhibits + +Comparable #1 + +Comparable #2 + +Comparable #3 + +Reconciliation + +Approaches to Value + +Indicated Value + +Reason for Exclusion + +Appraisal Summary + +Contract Price +Opinion of Market Value + +Pro Rata Share Calculation +Method + +Market Value Condition + +Sales Comparison Approach +$595,000 + +Income Approach + +Cost Approach + +Not Necessary for Credible Results + +Not Necessary for Credible Results + +$585,000 +$548,999 (Cooperative Interest) + +Reasonable Exposure Time +Effective Date of Appraisal + +30–60 days +08/28/2019 + +Maximum +As Is + +The market value represents the cooperative interest. The cooperative interest is the equity portion that is over and above the pro rata share of the +blanket mortgage(s). + +Reconciliation of Market Value + +Utilize this subsection for additional commentary as required by USPAP. + +Apparent Defects, Damages, Deficiencies + +None + +Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1) diff --git a/chunks/txt/cd08bcf9718a33792f79e361a5fb3950669943cbcb5468b42d8ec663b640904c.txt b/chunks/txt/cd08bcf9718a33792f79e361a5fb3950669943cbcb5468b42d8ec663b640904c.txt new file mode 100644 index 0000000000000000000000000000000000000000..af1d8fca1b7bb29a135b7bc0c42cb46b2b4deaec --- /dev/null +++ b/chunks/txt/cd08bcf9718a33792f79e361a5fb3950669943cbcb5468b42d8ec663b640904c.txt @@ -0,0 +1,219 @@ +If none, then zero (0) must be entered. + +Boolean + +A value of 'Y' indicates a patio/deck exists, a value of 'N' indicates the box is not +checked. + +String + +UAD Instruction - Refer to Appendix D Improvements Section +This field should contain a description of the patio/deck. If there is no patio or deck, +indicate 'None'. + +Boolean + +A value of 'Y' indicates a porch exists, a value of 'N' indicates the box is not +checked. + +String + +UAD Instruction - Refer to Appendix D Improvements Section +This field should contain a description of the porch. If no porch indicate 'None'. + +Boolean + +A value of 'Y' indicates a pool exists, a value of 'N' indicates the box is not checked. + +This field should be populated if the value +indicated in field 1-173 (Amenity Detailed +Description) is not equal to 'None' + +This field should be populated if the value +indicated in field 1-175(Amenity Detailed +Description) is not equal to 'None' + +This field should be populated if the value +indicated in field 1-177 (Amenity Detailed +Description) is not equal to 'None' + +1 + +2 + +1 + +2 + +1 + +6 + +1 + +10 + +1 + +168 + +169 + +170 + +171 + +1 + +1 + +1 + +1 + +173 + +174 + +175 + +176 + +177 + +178 + +179 + +180 + +181 + +182 + +183 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 183 of 211 + +Document Version 1.4 + +184 + +185 + +186 + +187 + +188 + +189 + +1 + +1 + +1 + +1 + +1 + +1 + +191 + +192 + +193 + +1 + +1 + +1 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality diff --git a/chunks/txt/cd1285553676270d00bac9b03dbbcbd517c02b015502f6907f94cc7bbbcc44ea.txt b/chunks/txt/cd1285553676270d00bac9b03dbbcbd517c02b015502f6907f94cc7bbbcc44ea.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ad4e4f2e2bc5bdb79281d86afd736ec79aa25bc --- /dev/null +++ b/chunks/txt/cd1285553676270d00bac9b03dbbcbd517c02b015502f6907f94cc7bbbcc44ea.txt @@ -0,0 +1,5 @@ +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 114 + +Page 12 + +Site Size and Parcels ................................................................................................................................................................................................................. 114 diff --git a/chunks/txt/cd1d678f458f7c7656b6712064a7b51c3aa4282ea02e82671839c8a5e685ab11.txt b/chunks/txt/cd1d678f458f7c7656b6712064a7b51c3aa4282ea02e82671839c8a5e685ab11.txt new file mode 100644 index 0000000000000000000000000000000000000000..d77d6e519f2b80c6caabc6fba50e7050efe7a0b0 --- /dev/null +++ b/chunks/txt/cd1d678f458f7c7656b6712064a7b51c3aa4282ea02e82671839c8a5e685ab11.txt @@ -0,0 +1,93 @@ +Uniform Residential Appraisal Report + +Page 13 of 21 +Page 13 of 21 + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Listing Status +Pending + +Listing Type +MLS + +Listing ID +FQ999999 + +Start Date +09/05/2019 + +End Date +09/17/2019 + +DOM +12 + +Total DOM 12 + +Starting +List Price +$489,000 + +Current or +Final List Price +$489,000 + +Analysis of Subject Property Listing History The only listing of the subject property in the past year has been for $489,000 for 12 days prior +to contract. The contract provided to the appraiser contains no atypical terms or conditions, see Sales Contract section for further analysis. + +Sales Contract + +Is there a sales contract? +Was sales contract information analyzed? +Does this appear to be an arm’s length transaction? + +Yes No +  +  +  + +Contract Price +Contract Date +Transfer Terms +Personal Property Conveyed + +$489,000 +09/17/2019 +Typically Motivated +Yes + +Personal property is not included in the appraiser’s final opinion of value + +Financial Sales Concessions + +Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property + +Known Sales Concessions +Total Sales Concessions + +Typical for Market + +Yes +$5,000 +Yes + +Sales Contract Analysis + +$5,000 concession towards repair of the carpet. Window treatments, washer and dryer, and media room projector conveyed per sales contract. + +Prior Sale and Transfer History + +Subject Transfer History + +Prior sales and/or transfers of the subject property (minimum 3 year look back) +Prior Sales or Transfers + +Data Source + +None +MLS + +Analysis of Prior Sale and Transfer History of Subject Property Only prior sale of the subject was when it was a new construction in 2004. diff --git a/chunks/txt/cd21c59d514d2a67216c4f2106966d4f100987611f94222b8b0816488e0d3397.txt b/chunks/txt/cd21c59d514d2a67216c4f2106966d4f100987611f94222b8b0816488e0d3397.txt new file mode 100644 index 0000000000000000000000000000000000000000..c9cd5a8185261efda45efc49825c569c1c60bda6 --- /dev/null +++ b/chunks/txt/cd21c59d514d2a67216c4f2106966d4f100987611f94222b8b0816488e0d3397.txt @@ -0,0 +1,174 @@ +If field 1-32 (Appraisal Purpose Type = +'Purchase') is indicated, then one and only one +of fields 1-49, 1-50 (values of Sales Concession +Indicator) must be indicated. + +Data Field +Conditionality + +CR + +CR + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +53 + +54 + +55 + +56 + +57 + +58 + +59 + +60 + +61 + +62 + +63 + +64 + +65 + +66 + +67 + +68 + +69 + +70 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +50 + +CONTRACT + +Is there any financial assistance +(loan charges, sale concessions, +gift or down payment assistance, +etc.) to be paid by any party on +behalf of the borrower? No + +Sales Concession +Indicator + +Indicates that someone made concessions +for the current sales contract. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesC +oncessionIndicator=‘N’] + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section + +51a + +CONTRACT + +If Yes, report the total dollar +amount and describe the items to +be paid. + +Sales Concession +Amount + +The dollar amount of the value of sales +concessions granted by an interested party +including such items as furniture, +carpeting, decorator allowances, +automobiles, vacations, securities, +giveaways or other sales incentives. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesC +oncessionAmount + +10 + +Money + +UAD Requirement - Refer to Appendix D Contract Section +Whole dollars only. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +If field 1-32 (Appraisal Purpose Type = +'Purchase') is indicated, then one and only one +of fields 1-49, 1-50 (values of Sales Concession +Indicator) must be indicated. diff --git a/chunks/txt/cd327f990db2a32d060617a755331d812e56a0f0d909ab5bf05473b95ea3788a.txt b/chunks/txt/cd327f990db2a32d060617a755331d812e56a0f0d909ab5bf05473b95ea3788a.txt new file mode 100644 index 0000000000000000000000000000000000000000..a912970c34bb869e75b0021c18d7e402cdf4f2c3 --- /dev/null +++ b/chunks/txt/cd327f990db2a32d060617a755331d812e56a0f0d909ab5bf05473b95ea3788a.txt @@ -0,0 +1,34 @@ +Desktop Underwriter/Desktop Originator Release Notes +DU Version 11.1 April Update + +Mar. 1, 2023 + +Updated Mar. 24, 2023 + +During the weekend of April 15, 2023, Fannie Mae will update Desktop Underwriter® (DU®) Version 11.1, which will include the +changes described below. The changes in this release will apply to DU Version 11.1 loan casefiles submitted or resubmitted on +or after the weekend of April 15, 2023. + +The changes in this release include the following: +▪ Valuation Modernization +▪ DU Validation Service Updates +▪ Updates to Align with the Selling Guide + +Mar. 24, 2023: The date in the “Note” below in the Value Acceptance + Property Data section has been updated to April 16. + +Valuation Modernization + +Selling Guide Announcement SEL-2023-02 introduced new terms and options to establish a property’s market value. The +following updates will be made to DU to support the changes specified in the announcement. + +Value Acceptance + +This term is now used in conjunction with the term “appraisal waiver” to better reflect the actual process of using data and +technology to accept the lender-provided value. The DU appraisal waiver messages will be updated to reflect the term “value +acceptance (appraisal waiver).” + +Value Acceptance + Property Data + +Value acceptance + property data is a new option that utilizes property data collection by a third party who conducts interior and +exterior data collection on the subject property. When this option is used, an appraisal is not required. This option also requires +submission of the data to Fannie Mae’s Property Data API and requires delivery of Special Feature Code 774. diff --git a/chunks/txt/cd3eca13ad7abfa056dc0de844e510d052fb9430a9bdd144edec9d826394b379.txt b/chunks/txt/cd3eca13ad7abfa056dc0de844e510d052fb9430a9bdd144edec9d826394b379.txt new file mode 100644 index 0000000000000000000000000000000000000000..dbb26aca92fc7f9ab86d718880eea73d609047b2 --- /dev/null +++ b/chunks/txt/cd3eca13ad7abfa056dc0de844e510d052fb9430a9bdd144edec9d826394b379.txt @@ -0,0 +1,77 @@ +10.1.1 + +$8,054 10.1.2 + +$9,712.10 10.1.3 YES 10.1.4 ● See Total Loan Costs (D) and Total Other + +Costs (I) + +10.2 Closing Costs Paid Before Closing + +10.3 Closing Costs Financed + +(Paid from your Loan Amount) + +10.4 Down Pa yment + +10.5 Deposit + +10.6 Funds for Borrower + +10.7 Seller Credits + +10.8 Adjustments and Other Credits + +10.2.1 + +10.3.1 + +10.4.1 + +10.5.1 + +10.6.1 + +10.7.1 + +10.8.1 + +$0 10.2.2 + +-$29.80 10.2.3 YES 10.2.4 ● You paid these Closing Costs before + +closing + +$0 10.3.2 + +$0 10.3.3 NO + +$18,000 10.4.2 $18,000.00 10.4.3 NO + +-$10,000 10.5.2 -$10,000.00 10.5.3 NO + +$0 10.6.2 + +$0 10.6.3 NO + +$0 10.7.2 + +-$2,500.00 10.7.3 YES 10.7.4 ● See Seller Cr edits in Section L + +$0 10.8.2 + +-$1,035.04 10.8.3 YES 10.8.4 ● See details in Sections K & L + +10.9 Cash to Close + +10.9.1 + +$16,050 10.9.2 $14,147.26 + +Figure 88. Calculating Cash to Close Table – Model Form and Split Disclosure – Borrower Only + +Except for the Cash to Close Totals (10.9) which are described below, Cash to Close table line items are disclosed +according to the following pattern (also illustrated in the figure above.) Disclose the cash to close line items in +the order illustrated + +1. Provide the applicable amount from the corresponding line item in the Loan Estimate’s Calculating Cash diff --git a/chunks/txt/cd43459136351597f00980b44365c53c57f0bf84b4bd9df8b49c20514ca8df2b.txt b/chunks/txt/cd43459136351597f00980b44365c53c57f0bf84b4bd9df8b49c20514ca8df2b.txt new file mode 100644 index 0000000000000000000000000000000000000000..e8f9135a5b74420d1c9434b4fedd43fb3b54a5ad --- /dev/null +++ b/chunks/txt/cd43459136351597f00980b44365c53c57f0bf84b4bd9df8b49c20514ca8df2b.txt @@ -0,0 +1,267 @@ +$11,000 + +08/05/2019 + +09/10/2019 + +6 + +Detached + +Fee Simple + +$10,400 + +07/02/2019 + +08/31/2019 + +14 + +Detached + +Fee Simple + +14,950 Sq. Ft. + +17,886 Sq. Ft. + +$0 + +13,038 Sq. Ft. + +$0 + +16,039 Sq. Ft. + +0.4 Miles NE + +$525,000 + +Settled Sale + +— + +$520,000 + +$0 + +$0 + +$0 + +$0 + +$0 + +Sunnyside + +Sunnyside + +Rolling + +Rolling + +Sunnyside + +Rolling + +Hilldale + +Flat + +$(2,000) + +Residential + +Residential + +Busy Roadway + +$5,000 + +Residential + +Residential | Full + +Residential | Full + +Residential | Full + +Residential | Full + +2004 + +Colonial + +2004 + +Colonial + +Forced Warm Air | Natural Gas + +Forced Warm Air +| Natural Gas + +Centralized + +Centralized + +2004 + +Colonial + +Forced Warm Air +| Natural Gas + +Centralized + +2001 + +Colonial + +$0 + +Forced Warm Air +| Natural Gas + +Centralized + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Site + +Site Size + +Neighborhood Name + +Topography + +Site Influence (Location) + +View | Range + +Dwelling(s) + +Year Built + +Dwelling Style + +Heating + +Cooling + +Energy Efficient and Green Features + +Efficiency Rating + +HERS | 62 + +$0 + +None + +$0 + +HERS | 61 + +$0 + +None + +Unit(s) + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Unfinished Area +Below Grade + +5 + +3 | 1 + +3,002 Sq. Ft. + +1,300 Sq. Ft. + +4 + +2 | 1 + +$10,000 + +$10,000 + +2 | 2 + +3,260 Sq. Ft. + +$(10,300) + +2,804 Sq. Ft. + +0 Sq. Ft. + +$26,000 + +1,200 Sq. Ft. + +230 Sq. Ft. + +1,624 Sq. Ft. + +$(13,940) + +66 Sq. Ft. + +4 + +$10,000 + +4 + +$10,000 + +$5,000 + +$7,900 + +$2,000 + +$1,640 + +3 | 1 + +2,816 Sq. Ft. + +$7,400 + +1,328 Sq. Ft. diff --git a/chunks/txt/cd52ab6509c4c26eae4c18c6a8f8185c52facfa10fdb9edce21395a4643f013d.txt b/chunks/txt/cd52ab6509c4c26eae4c18c6a8f8185c52facfa10fdb9edce21395a4643f013d.txt new file mode 100644 index 0000000000000000000000000000000000000000..21d8d3f745951db87186d710516af20f6f86f9c2 --- /dev/null +++ b/chunks/txt/cd52ab6509c4c26eae4c18c6a8f8185c52facfa10fdb9edce21395a4643f013d.txt @@ -0,0 +1,5 @@ +Site Valuation Methodology (H1) ....................................................................................................................... 40 + +Site Commentary (H1) ........................................................................................................................................ 41 + +Site Exhibits (H1) ................................................................................................................................................. 41 diff --git a/chunks/txt/cd53957280135e84ba5c6f488a9b005ec7031e3fbea14afcc7b8f68400c544a9.txt b/chunks/txt/cd53957280135e84ba5c6f488a9b005ec7031e3fbea14afcc7b8f68400c544a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad66183df3b9f2a330e126fa4c34a231520ded03 --- /dev/null +++ b/chunks/txt/cd53957280135e84ba5c6f488a9b005ec7031e3fbea14afcc7b8f68400c544a9.txt @@ -0,0 +1,95 @@ +UCD UID MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN +/UNDERWRITING/AUTOMATED_UNDERWRITINGS/AUTOMATED_UNDERWRITING + +0.042 + +AutomatedUnderwritingCaseIdentifier + +9876543210 + +0.039 + +AutomatedUnderwritingSystemType + +DesktopUnderwriter + +…/AUTOMATED_UNDERWRITING + +0.042 + +AutomatedUnderwritingCaseIdentifier + +0.039 + +AutomatedUnderwritingSystemType + +654321 + +Other + +0.040 + +AutomatedUnderwritingSystemTypeOtherDescription LoanProductAdvisor + +…/UNDERWRITING/UNDERWRITING_DETAIL + +0.044 + +LoanManualUnderwritingIndicator + +false + +UCD v2.0 Implementation Guide + +- 129 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 109. XML Snippet - Example Underwriting Data. + + +… + + + + + + + + + + +9876543210 + DesktopUnderwriter + + + + +654321 + +Other + LoanProductAdvisor + + + + + + +false + + + + + +… + diff --git a/chunks/txt/cd5a9978e088113bbdf0e3317d0aa74894d6ebaa837a7394eb2829b0f10f35d2.txt b/chunks/txt/cd5a9978e088113bbdf0e3317d0aa74894d6ebaa837a7394eb2829b0f10f35d2.txt new file mode 100644 index 0000000000000000000000000000000000000000..0c65c7809b6256f3530d86eda397f96dae978683 --- /dev/null +++ b/chunks/txt/cd5a9978e088113bbdf0e3317d0aa74894d6ebaa837a7394eb2829b0f10f35d2.txt @@ -0,0 +1,11 @@ +FHFA applies technical standards codified at [36 CFR 1194](https://www.access-board.gov/ict/) to Information Communication Technology (ICT) such as webpages, posted official agency communications (documents), and video/multimedia. + +## Physical Accessibility Statement + +FHFA is also committed to providing physical accessibility in agency facilities for those with disabilities in accordance with the [Architectural Barriers Act (ABA) of 1968 (42 U.S.C. 4151--57)](https://www.access-board.gov/aba/), **which requires that if a building or facility was built, designed, or altered using federal dollars or leased by federal agencies after August 12 of 1968, it must be accessible to all individuals.** + +[The Access Board](https://www.access-board.gov/) is an independent federal agency that promotes equality through accessibility efforts. Subject to certain limitations and exclusions, FHFA has adopted these same ABA accessibility standards by establishing appropriate physical accessibility standards in its facilities. + +## Points of Contact + +Laraine Bryant is FHFA’s webmaster. If you have a disability and the format of any material on our webpages interferes with your ability to access the information, please contact the agency's webmaster at [FHFAWebmaster@FHFA.gov](mailto:FHFAWebmaster@FHFA.gov). The webmaster will refer your request to the appropriate point of contact to resolve the issue. To enable us to respond in a manner most helpful to you, please indicate the nature of the accessibility problem, the web address of the requested material, the issue (small print, color contrast, etc.), and your contact information. diff --git a/chunks/txt/cd5b6ac8470ef324f5022793b162f5b4cb7bcada68e8223a3bd2cb68e366ed28.txt b/chunks/txt/cd5b6ac8470ef324f5022793b162f5b4cb7bcada68e8223a3bd2cb68e366ed28.txt new file mode 100644 index 0000000000000000000000000000000000000000..9752d1ecd79507400fc39d4a797dfd85660a4b3f --- /dev/null +++ b/chunks/txt/cd5b6ac8470ef324f5022793b162f5b4cb7bcada68e8223a3bd2cb68e366ed28.txt @@ -0,0 +1,117 @@ +DesktopAppraisal;PriorHybrid;;YYYY-MM-DD + +DesktopAppraisal;Other;; + +TraditionalAppraisal + +1004/70 + +Null + +Null + +Null + +TraditionalAppraisal;;; + +1073 Hybrid/465H & 1073 Desktop/465D + +Appraisal Assignment Type + +Subject Property Data +Collection Method + +Subject Property Data +Collection Workforce + +Use the type to drive the +applicable version of scope +of work/certs + +How did the appraiser +obtain information +about the subject +property? + +Individual who +completed the property +data report (PDR) based +on one of the data +collection methods + +Subject Property +Data Collection +Date + +Date when +workforce viewed +the subject property +via one of the data +collection methods + +Concatenated Values + +Below are the enumerated concatenated values +entered into the AppraisalReportContentName data +element and associated with the scenarios +presented. + +Important Notes: +1. The enumerated data values are case +sensitive. +2. The Date format must be "YYYY-MM-DD". + +Hybrid + +Physical + +Appraiser + +Hybrid;Physical;Appraiser;YYYY-MM-DD + +(Desktop appraisal +leveraging PDR) + +1073 Hybrid/465H + +(e.g. physical visit to +the interior and +exterior of subject +property) + +AppraiserTrainee + +Hybrid;Physical;AppraiserTrainee;YYYY-MM-DD + +YYYY-MM-DD + +RealEstateAgent + +HomeInspector +InsInspector (e.g. +*Insurance Inspector) +Other + +Hybrid;Physical;RealEstateAgent;YYYY-MM-DD + +Hybrid;Physical;HomeInspector;YYYY-MM-DD + +Hybrid;Physical;InsInspector;YYYY-MM-DD + +Hybrid;Physical;Other;YYYY-MM-DD + +Hybrid;Virtual;Appraiser;YYYY-MM-DD + +Virtual + +Appraiser + +(e.g. using technology +such as Skype, +FaceTime or other +similar video capability +that allows workforce +to view the interior +and exterior of the +subject property from +a remote location) diff --git a/chunks/txt/cd5cf1f93363129c30951074eeeb008215df916255aefa18005e7fc884e3f997.txt b/chunks/txt/cd5cf1f93363129c30951074eeeb008215df916255aefa18005e7fc884e3f997.txt new file mode 100644 index 0000000000000000000000000000000000000000..37b23ba8d351d0aaae446fc89a7fd11161c617f8 --- /dev/null +++ b/chunks/txt/cd5cf1f93363129c30951074eeeb008215df916255aefa18005e7fc884e3f997.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/credit-risk-transfer" +date_accessed: "2026-01-27T17:47:56.381Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/cd667e7c894e41489f2a2046cedaab6b135545fe8a70df02d342fec3b092efc5.txt b/chunks/txt/cd667e7c894e41489f2a2046cedaab6b135545fe8a70df02d342fec3b092efc5.txt new file mode 100644 index 0000000000000000000000000000000000000000..e2f8f3c186c1c16850cc3384567e589d719386c0 --- /dev/null +++ b/chunks/txt/cd667e7c894e41489f2a2046cedaab6b135545fe8a70df02d342fec3b092efc5.txt @@ -0,0 +1,95 @@ +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='Other' and +@_TypeOtherDescription='RoomAboveGradeLine2']/@_Amount + +10 + +1 + +3 + +10 + +2 + +10 + +10 + +2 + +2 + +5 + +Format + +Money + +String + +Money + +Enumerated + +Money + +Money + +Numeric + +Numeric + +Numeric + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field indicates whether the actual age is estimated. + +The sum of this field 3-82 and fields (3-60, +3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3- +76, 3-78, 3-80, 3-84, 3-86, 3-87, 3-91, 3-93, +3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3- +107, 3-109, 3-111) must add up to Net +Adjustment field 3-116. + +Boolean + +PDF Display Format: +If 'Y' then display a tilde (~) before the value entered. +If 'N' then display nothing. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Numeric, whole years only. Zero (0) is a valid value. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field indicates the overall condition of the property. + +The sum of this field 3-84 and fields (3-60, +3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3- +76, 3-78, 3-80, 3-82, 3-86, 3-87, 3-91, 3-93, +3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3- +107, 3-109, 3-111) must add up to Net +Adjustment field 3-116. diff --git a/chunks/txt/cd6d73dbe74e1d77c91f8fa9afb6bd3110e2d791d7a77aa6d0a3a65282c00377.txt b/chunks/txt/cd6d73dbe74e1d77c91f8fa9afb6bd3110e2d791d7a77aa6d0a3a65282c00377.txt new file mode 100644 index 0000000000000000000000000000000000000000..fa7aca9de47832231693242f764ad1e15a423957 --- /dev/null +++ b/chunks/txt/cd6d73dbe74e1d77c91f8fa9afb6bd3110e2d791d7a77aa6d0a3a65282c00377.txt @@ -0,0 +1,58 @@ + + +HighestAndBestUse +Additional commentary may be added here. + + + +Highest and Best Use Exhibits + +The Highest and Best Use Exhibits subsection displays when images are provided. + +• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 16.006.1) = “HighestAndBestUseExhibit”. +• An image caption should be included using “ImageCaptionCommentDescription” (UID: 1400.0640, FID: 16.006.2). + + + + + +Highest and Best Use +HighestAndBestUse +zip://location/HighestAndBestUse.jpg +image/jpeg + +Appendix B-1: URAR Implementation Guide v1.3 + +17 Market + +Page 234 + +The Market section provides information about the current metrics of a market area, determined by the appraiser. This section focuses on +defining the market area, the geographic area, the associated sales, and listing activities that directly compete with the subject, and the +trends determined by that information. The Market section provides space for additional commentary and graphs or other exhibits to +support the market analysis. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 235 + +The Market section always displays. + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Display Rules + +17.003 + +Market Boundary + +3000.0008 + +MarketBoundariesDescription diff --git a/chunks/txt/cd7141fb4b5e3b5810e00adef1de50e7d3dc97bbc41c4345d0daf4cd2be937b0.txt b/chunks/txt/cd7141fb4b5e3b5810e00adef1de50e7d3dc97bbc41c4345d0daf4cd2be937b0.txt new file mode 100644 index 0000000000000000000000000000000000000000..e88327c214467ce742ea23906dd0afc41661bd55 --- /dev/null +++ b/chunks/txt/cd7141fb4b5e3b5810e00adef1de50e7d3dc97bbc41c4345d0daf4cd2be937b0.txt @@ -0,0 +1,5 @@ +Introduction ................................................................................................................................................................. 4 +Purpose and Overview................................................................................................................................................. 4 + +Property Address, City, State, ZIP Code ................................................................................................................... 7 +Contract Section ........................................................................................................................................................ 16 diff --git a/chunks/txt/cd719d7278f67a84de061a2da7671a273af6840bbfc019f2392d69eecc778447.txt b/chunks/txt/cd719d7278f67a84de061a2da7671a273af6840bbfc019f2392d69eecc778447.txt new file mode 100644 index 0000000000000000000000000000000000000000..814157ea4b857fce20241f400f13aacc14fe7357 --- /dev/null +++ b/chunks/txt/cd719d7278f67a84de061a2da7671a273af6840bbfc019f2392d69eecc778447.txt @@ -0,0 +1,95 @@ +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +345 + +3 + +e-5 + +SALES +COMPARISON +APPROACH + +View + +(Overall Rating) + +GSE View Overall +Rating Type + +The overall rating of the view associated +with the property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V +IEW_OVERALL_RATING_EXTENSION/COMPARISON_VIEW_OVERALL_ +RATING_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNI +FORM APPRAISAL +DATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SEC +TION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSEViewOveral +lRatingType + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML file, +they must be shown exactly as they appear below: + +10 + +Enumerated + +Allowable Values PDF Display +Neutral N +Beneficial B +Adverse A + +This data is referenced more than once on the form in the Site Section, and must be +represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML file, +they must be shown exactly as they appear below: + +Data Field +Conditionality + +R + +346 + +3 + +e-6 + +SALES +COMPARISON +APPROACH + +View + +(View Type) + +GSE View Type + +The type of view associated with the +property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V +IEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_ +SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA +/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@GSEViewTyp +e diff --git a/chunks/txt/cd757fdb52583c65a9d479a05eda9990aa01270aefea7a65a9d9f720b03b267b.txt b/chunks/txt/cd757fdb52583c65a9d479a05eda9990aa01270aefea7a65a9d9f720b03b267b.txt new file mode 100644 index 0000000000000000000000000000000000000000..49a45eb9bea155f11d60b1dadcb25785e56ad85f --- /dev/null +++ b/chunks/txt/cd757fdb52583c65a9d479a05eda9990aa01270aefea7a65a9d9f720b03b267b.txt @@ -0,0 +1,24 @@ +The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous +wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this +appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or +warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this +appraisal report must not be considered as an environmental assessment of the property. + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) + +Uniform Residential Appraisal Report + +Page 21 of 22 +Page 21 of 22 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: diff --git a/chunks/txt/cd8deabfe8d842616688530e480e69207f8ebd0438dd7ec2d3c85cb37e9104d0.txt b/chunks/txt/cd8deabfe8d842616688530e480e69207f8ebd0438dd7ec2d3c85cb37e9104d0.txt new file mode 100644 index 0000000000000000000000000000000000000000..7c2af5cf95084a0925b1e2aee42987774412519b --- /dev/null +++ b/chunks/txt/cd8deabfe8d842616688530e480e69207f8ebd0438dd7ec2d3c85cb37e9104d0.txt @@ -0,0 +1,80 @@ +Implementation Notes + +Provides instructions or clarification for supporting the data point. + +Conditionality Description + +Represents the criteria for the conditionality of the data points. + +Data Field Conditionality + +Represents the conditionality of the data point. Systems must support all of the data points defined in Appendix A: Appraisal Forms Mapping. The conditionality column will +contain one of the three indicators: +• Required (R): The data point must be included in the appraisal XML file. +• Conditionally Required (CR): The data point must be included in the appraisal XML file when a defined business condition exists. The conditionally required parameters are +provided in the Conditionality Description column. +• Transmit (T): The data point must be supported. If populated by the appraiser, then the value must be included in the appraisal XML file. + +Column Descriptions +Appendix B: GSE Appraisal Forms Mapping + +Page 4 of 211 + +Document Version 1.4 + +MISMO Data Point Name + +1004/70 + +1004 +Hybrid/ +70H + +1004 +Desktop/ +70D + +2055 + +1073/465 + +1073 +Hybrid/ +465H + +1073 +Desktop/ +465D + +1075/466 + +VALUATION_RESPONSE +.REPORT +Report Title Description** +Appraisal Form Type +Appraisal Purpose Type +Appraisal Purpose Type Other Description +Appraiser File Identifier +Appraiser Additional File Identifier +Appraiser Additional File Identifier Name +Appraiser Report Signed Date +Supervisor Report Signed Date + +.REPORT +..FORM +Appraisal Report Content Identifier +AppraisalReportContentName +AppraisalReportContentIsPrimaryFormIndicator + +.REPORT +..EMBEDDED_FILE +...DOCUMENT + +.PARTIES +..APPRAISER +Appraiser Name** +Appraiser Company Name** +Appraiser Street Address** +Appraiser City** +Appraiser State** +Appraiser Postal Code** diff --git a/chunks/txt/cd9e5ec6719812791db28d44530ba12cb628b2db5fbee0c40ac76a22306bf365.txt b/chunks/txt/cd9e5ec6719812791db28d44530ba12cb628b2db5fbee0c40ac76a22306bf365.txt new file mode 100644 index 0000000000000000000000000000000000000000..998b3b82b67f81cd475ace98de5a191ce300a5ad --- /dev/null +++ b/chunks/txt/cd9e5ec6719812791db28d44530ba12cb628b2db5fbee0c40ac76a22306bf365.txt @@ -0,0 +1,18 @@ +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17656","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/cdab082819cfe74bf1670810b9abe0dcfe09b3b2a3505c5ac5f279bb00fb4c7b.txt b/chunks/txt/cdab082819cfe74bf1670810b9abe0dcfe09b3b2a3505c5ac5f279bb00fb4c7b.txt new file mode 100644 index 0000000000000000000000000000000000000000..f0f80ef56ef10647d43488f46646eee195504255 --- /dev/null +++ b/chunks/txt/cdab082819cfe74bf1670810b9abe0dcfe09b3b2a3505c5ac5f279bb00fb4c7b.txt @@ -0,0 +1,154 @@ +o + +o + +If in a low-rise, mid-rise, or high-rise, this is specific to the +subject unit only, and not the total number of units in the +building. +The total number of units in a condominium or cooperative +project is reported in the Project Information section. + +Additional information about each living unit or ADU is captured in the +Unit Interior section that displays after the associated Dwelling Exterior +section. + +8.002 + +Structure Design Required if + +Attachment Type is +Attached + +Choose an +allowable answer +from table +(Structure Design) + +The type of structural design when properties are connected. +• +High-rise +• Mid-rise +• +Low-rise +• +Rowhouse / Townhouse +• +Semi-Detached +• +Other (Describe) + +8.003 + +Floors in +Building + +Required if Structure +Design is Mid-rise or +High-rise + +Number + +The total number of floors in a high-rise or mid-rise building. + +Appendix F-1: URAR Reference Guide + +Page 93 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +08 Dwelling Exterior + +Dwelling Exterior: General Information + +Report +Field ID + +Report Label + +When to Include + +8.004 + +Dwelling Style + +Required if +Attachment Type is +Detached + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +A-Frame +Barn +Bi-Level +Bungalow +Cape Cod +Chalet +Colonial +Contemporary +Cottage +Craftsman +Earth / Berm +Farmhouse +Geodesic Dome +Georgian +Log + +The type of design for detached dwellings, as defined by local markets. +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• Mediterranean +• Modern +• +• +• +• +• +• +• +• +• +• +• +• +• +Note: +• + +Neo-Eclectic +Raised Ranch +Rambler +Ranch +Southwest +Spanish +Split Foyer or Entry +Split Level +Stilt +Traditional +Tudor +Victorian +Other (Describe) diff --git a/chunks/txt/cdaf4bd6cf63885691308300e4201a5ce01a7cc66fdf9242d087bc0d8f946538.txt b/chunks/txt/cdaf4bd6cf63885691308300e4201a5ce01a7cc66fdf9242d087bc0d8f946538.txt new file mode 100644 index 0000000000000000000000000000000000000000..18ae4a3946346048b8dfb751919fca3abb6ac1f8 --- /dev/null +++ b/chunks/txt/cdaf4bd6cf63885691308300e4201a5ce01a7cc66fdf9242d087bc0d8f946538.txt @@ -0,0 +1,42 @@ +When two borrowers report Pension or Social +Security income and have a joint Tax Transcript, +there is a row in the table for each borrower for +the reported income type. + +There will be a single row for the income +type validated with both borrowers +displayed in the Borrower field (e.g., John +Homeowner and Mary Homeowner). + +Sept. 28: New Reason Codes for Existing Messages + +Message +ID + +Message Name + +New Reason Codes + +3301 + +DVS-REPORT-NOT-EVALUATED + +Borrower SSN in loan application does not match SSN in tax transcript + +3307 + +DVS-EMPLOYMENT-NOT-VALIDATED + +1. Information effective date is after the report date +2. Hire date is inconsistent with borrower's date of birth +3. Hire date is in the future + +Release Support + +The DU validation service modernization changes were implemented in the DU integration environment on Sept. 2. If you have +questions about the Integration Impact Memo or if you require support specific to this release, contact Integration Support. For +more information about the DU validation service, visit the website or contact your Fannie Mae representative. + +Fannie Mae Confidential and Proprietary + +© 2020 Fannie Mae 9.30.20 Page 2 of 2 diff --git a/chunks/txt/cdb1191f3f8eb5ad3f6a3a92ba929b0bf2334c3bf20ea3d030f14002a65c0e43.txt b/chunks/txt/cdb1191f3f8eb5ad3f6a3a92ba929b0bf2334c3bf20ea3d030f14002a65c0e43.txt new file mode 100644 index 0000000000000000000000000000000000000000..5aaddf78c0fe359626d201921d7eccd6e6fa95b1 --- /dev/null +++ b/chunks/txt/cdb1191f3f8eb5ad3f6a3a92ba929b0bf2334c3bf20ea3d030f14002a65c0e43.txt @@ -0,0 +1,74 @@ +Modified Messages + +Message ID + +Lender Text + +Parameters + +3299 + +3303 + +3305 + +3307 + +3309 + +3313 + +3319 + +DU received data from the vendor report(s) shown +below. + +Borrower | Vendor and Rep Type | Rep ID | Rep Date +| Exp Date + +DU did not receive report data from the vendor(s) +shown below. + +DU validated borrower employment shown below. +The specified report(s) is acceptable +documentation to support this employment. + +Borrower | Vendor and Rep Type | Rep ID | Reason + +Borrower | DU Employer | Vendor and Rep Type | +Rep ID | Employer Name in Rep | Close-By Date + +DU could not validate borrower employment +shown below for the reason provided. + +Borrower | DU Employer | Vendor and Rep Type | +Rep ID | Employer Name(s) in Rep | Reason + +DU validated borrower income shown below. The +specified report(s) is acceptable documentation to +support this income. + +Borrower | DU Income Type | Vendor and Rep Type +| Rep ID | Income Source from Rep | Validated +Amount | Close-By Date + +DU could not validate borrower income shown +below for the reason provided. + +DU matched vendor data to income source(s) +based on the following components. + +Borrower | DU Income Type | Vendor and Rep Type +| Rep ID | Income Source from Rep | DU Reported +Amount | Reason +Borrower | DU Income Type | Vendor and Rep Type +| Rep ID | DU Employer | Employer Name in Rep | +Calculated Amount + +Asset Data File Access + +Lenders who have originated casefiles that are later delivered to Fannie Mae and for which an asset verification report was +submitted to DU can utilize a Fannie Mae utility to download and retrieve the asset verification report data. This capability is +offered to the lender whose casefile ID was used for the DU submission to assist them in support of their obligation to retain +access to the asset account data if using an asset report to document income or employment. Access to this capability is available +in Fannie Mae Connect through the Asset Data File Access report. diff --git a/chunks/txt/cdb5e9803b9608ebb9065be7836d4740a12a6730ecb41e3dc6a968c6b99ab2b5.txt b/chunks/txt/cdb5e9803b9608ebb9065be7836d4740a12a6730ecb41e3dc6a968c6b99ab2b5.txt new file mode 100644 index 0000000000000000000000000000000000000000..16ca1a1c93b0c791377a548f829e21c03ff892f4 --- /dev/null +++ b/chunks/txt/cdb5e9803b9608ebb9065be7836d4740a12a6730ecb41e3dc6a968c6b99ab2b5.txt @@ -0,0 +1,43 @@ +Subject Property Information in the Sales Comparison Grid + +Information previously entered for the subject property populates from the applicable section to the sales comparison grid and does not have to be +re-entered. +• The “Origin of Subject Property Information” column in this chapter shows the original location of the information. +• Reference the original section for detailed definitions of the allowable answers. + +There is other information that the appraiser must input directly into the sales comparison grid. + +Fields that are Not Applicable in the Sales Comparison Grid + +If a specific field in the sales grid is not applicable for the subject or a given comparable, the cell is either grayed out or displays a dash (—). + +Grayed Out Cells + +Information that is never applicable for the subject property or comparables is grayed out in the sales comparison grid. +Examples: +• Proximity to Subject, Same Builder as Subject, and Sale Date are not applicable for the subject property and are always grayed out. +• Same Builder as Subject is not adjustable, so the adjustment cell is always grayed out. + +Appendix F-1: URAR Reference Guide + +Page 214 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Cells Displaying a Dash + +Information that is not applicable for the appraisal displays a dash (—) in the sales comparison grid. + +Examples: +• + +If there is no sales contract, or Sales Contract Analyzed is No, the following cells display a dash for the subject property to show that the +information is not applicable. + +o Contract Price (if the row is included in the sales comparison grid) +o Sales Concessions +o Contract Date diff --git a/chunks/txt/cdb9127058adabbab9e4b19bb95394cda1644016a580d2e77e52a8747f5c3043.txt b/chunks/txt/cdb9127058adabbab9e4b19bb95394cda1644016a580d2e77e52a8747f5c3043.txt new file mode 100644 index 0000000000000000000000000000000000000000..b2cc48f53673d39fb6e988769adc724cd8ac108f --- /dev/null +++ b/chunks/txt/cdb9127058adabbab9e4b19bb95394cda1644016a580d2e77e52a8747f5c3043.txt @@ -0,0 +1,54 @@ +• Please refer to the data point “MIMETypeIdentifier” in the URAR Delivery Specification document for the allowable extensions for + +the images. + +• Each image provided in the Images folder must be referenced at least once in the XML file. + +Appendix B-1: URAR Implementation Guide v1.3 + +Header and Footer + +Page 66 + +The header and footer display on each page of the URAR. They provide navigation and reference notations including report title, page +numbers, and, if applicable, Reference IDs used by various parties to the appraisal. + +Header Text displays on all pages of the report except Summary. + +• Left side: DocumentType (UID: 1000.0039, FID: HF.001) = “Uniform Residential Appraisal Report” + +o Always displays + +• Right side: “Page X of XX” (where X stands for page number, and XX for total pages in document) + +o Always displays + +Figure HF - 1 + +See Appendix E – Report Style Guide for details displaying the header. + +Footer Text displays on every page of the report. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 67 + +• Appraisal Version # - AboutVersionIdentifier (UID: 2100.0010, FID: HF.002) + +o Always displays + +• Fannie Mae | Freddie Mac - DocumentFormIssuingEntityNameType (UID: 2100.0048, FID: HF.003) + +o Always displays + +• September 2024 - DocumentFormIssuingEntityVersionIdentifier (UID: 2100.0049, FID: HF.004) + +o Always displays + +• Appraiser Reference ID - AppraiserFileIdentifier (UID: 2100.0009, FID: HF.005) + +o Always displays + +• Agency Case File ID - AdditionalValuationIdentifier (UID: 2100.0005, FID: HF.006) + +o Displays when AdditionalValuationIdentifierType (UID: 2100.0006, FID: HF.006) = "GovernmentAgency" diff --git a/chunks/txt/cdbe8c56570036d4f417f7d125f3aa27108ef3dd4c315b6142145f6c63fd4e80.txt b/chunks/txt/cdbe8c56570036d4f417f7d125f3aa27108ef3dd4c315b6142145f6c63fd4e80.txt new file mode 100644 index 0000000000000000000000000000000000000000..d2b763b07148cd3b50c64e4fb9ddac2dcf24f065 --- /dev/null +++ b/chunks/txt/cdbe8c56570036d4f417f7d125f3aa27108ef3dd4c315b6142145f6c63fd4e80.txt @@ -0,0 +1,7 @@ +Depreciated Cost – Outbuilding – [Outbuilding Type] (H1) ................................................................................ 71 + +As Is Value of Site Improvements (H1) ............................................................................................................... 72 + +Site Value (H1) .................................................................................................................................................... 72 + +General Description (H1) .................................................................................................................................... 73 diff --git a/chunks/txt/cdc61079c0640e9c9d794dd77215c45f5782c100e6d9c8ec52e6d6032b0b4d76.txt b/chunks/txt/cdc61079c0640e9c9d794dd77215c45f5782c100e6d9c8ec52e6d6032b0b4d76.txt new file mode 100644 index 0000000000000000000000000000000000000000..73325de1e8cb56167752ce6c6b778c9a74c383ce --- /dev/null +++ b/chunks/txt/cdc61079c0640e9c9d794dd77215c45f5782c100e6d9c8ec52e6d6032b0b4d76.txt @@ -0,0 +1,7 @@ +TXC-NP – Commentary Text Numbered Paragraph ............................................................................................ 24 + +TXC-NPI-B – Commentary Text Numbered Paragraph Bold ............................................................................... 24 + +FN – Footnote Text ............................................................................................................................................. 24 + +SIG – Signature .................................................................................................................................................... 24 diff --git a/chunks/txt/cdcd79066f0e635503d00f509b506f69cfaad47c7bae5e8b2348787eb179310f.txt b/chunks/txt/cdcd79066f0e635503d00f509b506f69cfaad47c7bae5e8b2348787eb179310f.txt new file mode 100644 index 0000000000000000000000000000000000000000..37dc5f6f9da134d923c80a23de6fd2a43ff4e8ee --- /dev/null +++ b/chunks/txt/cdcd79066f0e635503d00f509b506f69cfaad47c7bae5e8b2348787eb179310f.txt @@ -0,0 +1,106 @@ +Uniform Residential Appraisal Report + +Page 12 of 29 + +Unit Interior - Building 2 - Unit 2 (continued) + +Apparent Defects, Damages, Deficiencies - Cabinetry - +Kitchen + +This is where the Kitchen Cabinet Defect photo would display. + +Functional Obsolescence + +Functional Issues + +None + +Functional Obsolescence Commentary + +No functional or external obsolescence noted. + +Vehicle Storage + +Storage +Carport + +Driveway + +Number of Parking Spaces +2 + +6 + +Detail +Detached +400 Sq. Ft. + +Gravel + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Vehicle Storage Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Subject Property Amenities + +Amenity Category +Water Features + +Subject Property Amenity +Outdoor Shower + +Material + +Detail +Total Number - 2 + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Commentary + +Each unit has its own outdoor shower. + +Overall Quality and Condition + +Overall Quality + +Exterior Quality - Building 1 +Interior Quality - Unit 1 + +Exterior Quality - Building 2 +Interior Quality - Unit 2 + +Q5 +Q5 +Q5 + +Q5 +Q5 + +Overall Condition + +Exterior Condition - Building 1 +Interior Condition - Unit 1 + +Exterior Condition - Building 2 +Interior Condition - Unit 2 + +C4 +C4 +C4 + +C4 +C4 + +Reconciliation of Overall Quality and Condition + +The appraiser’s inspection was visual and not technical in nature. Quality and condition ratings are based on the appraiser’s observations on +the date of inspection. See the defects, damages, and deficiencies table for specifics. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario diff --git a/chunks/txt/cddde010de0da67c5066a3165034f4aca3124872474b61985e56458d64def6fe.txt b/chunks/txt/cddde010de0da67c5066a3165034f4aca3124872474b61985e56458d64def6fe.txt new file mode 100644 index 0000000000000000000000000000000000000000..4c731f07441c898c0cdab6a52b3fe6eee7a29d34 --- /dev/null +++ b/chunks/txt/cddde010de0da67c5066a3165034f4aca3124872474b61985e56458d64def6fe.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/301","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/reports\/house-price-index":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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House prices were up 1.4 percent compared to the third quarter of 2024. FHFA’s seasonally adjusted monthly index for December was up 0.4 percent from November. [https://lnkd.in/e7yFrhZv](https://lnkd.in/e7yFrhZv?trk=organization_guest_main-feed-card-text) + +- ![No alternative text description for this image]() + `` `` [![image]() ![image]() 30](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) `` `` `` `` `` `` `` [2 Comments](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments) diff --git a/chunks/txt/cdf00bbbacf9a54cd437f694d937234c2d2ec5a527f888be3ee6803e797f09de.txt b/chunks/txt/cdf00bbbacf9a54cd437f694d937234c2d2ec5a527f888be3ee6803e797f09de.txt new file mode 100644 index 0000000000000000000000000000000000000000..ba11535f60af6b104c003b4841fb4f3a9ff52ea0 --- /dev/null +++ b/chunks/txt/cdf00bbbacf9a54cd437f694d937234c2d2ec5a527f888be3ee6803e797f09de.txt @@ -0,0 +1,242 @@ +This is where the +Comparable 2 photo +would display. + +This is where the +Comparable 3 photo +would display. + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Transfer Terms + +Financing Type + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Same Builder as Subject + +Project Information + +Project Name | Same +Project as Subject + +Monthly Fee + +Common Amenities/Services + +$895,000 + +Pending + +$895,000 + +No + +05/16/2018 + +26 + +Detached + +Fee Simple + +MLS 2342532 | +Assessor Record + +MLS 3425353 | +Assessor Record + +MLS 32453404 | +Assessor Record + +0.75 Miles NE + +$905,000 + +Settled Sale + +— + +$905,000 + +0.85 Miles NE + +$827,000 + +Settled Sale + +— + +$835,000 + +Typically +Motivated + +Cash + +Unknown + +Unknown + +03/30/2018 + +21 + +Detached + +Fee Simple + +No + +$0 + +$0 + +$0 + +$0 + +$0 + +Typically +Motivated + +Cash + +Unknown + +Unknown + +03/30/2018 + +55 + +Detached + +Fee Simple + +No + +$0 + +$0 + +$0 + +$0 + +$0 + +Typically +Motivated + +Cash + +No + +03/16/2018 + +04/30/2018 + +16 + +Detached + +Fee Simple + +Yes + +$0 + +$10,000 + +0.12 Miles E + +$899,000 + +Settled Sale + +— + +$905,000 + +$0 + +$0 + +$0 + +$0 + +Grammy Gold + +XYZ Project | No + +Fox Hollow | No + +Grammy Gold | Yes + +$500 + +$525 + +$235 + +$500 + +Clubhouse | Club +Membership | Gated +Community | Inground +Pool | Snow Removal +| Trash Removal + +Clubhouse | Club +Membership | Gated +Community | Inground +Pool | Snow Removal +| Trash Removal + +Inground Pool | Sports Court + +Clubhouse | Club +Membership | Gated +Community | Inground +Pool | Snow Removal +| Trash Removal + +Site + +Site Owned in Common + +Site Size + +No + +No + +13,939 Sq. Ft. + +13,010 Sq. Ft. + +Neighborhood Name diff --git a/chunks/txt/ce0a263afb4d0194220c38faa05110d26ab25c56bb97b12a4245917809ac2c22.txt b/chunks/txt/ce0a263afb4d0194220c38faa05110d26ab25c56bb97b12a4245917809ac2c22.txt new file mode 100644 index 0000000000000000000000000000000000000000..39e540bddedd7d4d2fa9d8eca4725a632945dfb9 --- /dev/null +++ b/chunks/txt/ce0a263afb4d0194220c38faa05110d26ab25c56bb97b12a4245917809ac2c22.txt @@ -0,0 +1,101 @@ +Standard grade +cabinetry and +plumbing fixtures + +Condition Status +Typical Wear and Tear + +Condition Comment + +Typical Wear and Tear + +Typical Wear and Tear + +Overall Update Status for +Bathrooms + +Not Updated + +Interior Features + +Feature +Flooring + +Walls and Ceiling + +Detail +Carpet + +Ceramic Tile + +8 Ft. | Flat + +Overall Update Status for +Flooring + +Not Updated + +Quality Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 6 of 19 +Page 6 of 19 + +Unit Interior (continued) + +Apparent Defects, Damages, Deficiencies (Unit Interior) + +None + +Unit Interior Commentary + +The dwelling has been well-maintained and exhibits only minimal wear and tear. + +Unit Interior Exhibits + +Level 1 - Kitchen + +Level 1 - Bath - Full - Primary Bath + +This is where the Kitchen photo would display. + +This is where the Bath 1 photo would display. + +Level 1 - Bath - Full - Bath 2 + +Level 1 - Bedroom - Primary Bedroom + +This is where the Bath 2 photo would display. + +This is where the 1st Bedroom photo would display. + +Level 1 - Bedroom - Second Bedroom + +Level 1 - Bedroom - Third Bedroom + +This is where the 2nd Bedroom photo would display. + +This is where the 3rd Bedroom photo would display. + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 7 of 19 +Page 7 of 19 + +Unit Interior (continued) + +Level 1 - Dining Room diff --git a/chunks/txt/ce1921e222662cf67467c26193a00537e48965243f22ed9b10d33a75eec19cb3.txt b/chunks/txt/ce1921e222662cf67467c26193a00537e48965243f22ed9b10d33a75eec19cb3.txt new file mode 100644 index 0000000000000000000000000000000000000000..6f60ed828d915ea63a6cc083829d6f8ae049366d --- /dev/null +++ b/chunks/txt/ce1921e222662cf67467c26193a00537e48965243f22ed9b10d33a75eec19cb3.txt @@ -0,0 +1,91 @@ +Co-Borrower Ethnicity +1 -- Hispanic or Latino +2 -- Not Hispanic or Latino +3 -- Information not provided by borrower in mail, Internet, or telephone application +5 -- No Co-Borrower + +Co-Borrower Race 2 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Co-Borrower Race 3 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Page 4 of 5 + +Column +80 Corace4 + +81 Corace5 + +82 HOEPA + +83 LienStatus + +84 SpcHsgGoals + +85 FedFinStbltyPlan + +86 AcqTyp + +87 GSEREO + +AMA_PUDB_Definitions_123114.xlsx + +Definition +Co-Borrower Race 4 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Co-Borrower Race 5 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Home Ownership and Equity Protection Act (HOEPA) Status +1 – Subject to HOEPA +2- Not subject to HOEPA +Lien Status +1 – Secured by first lien +2 – Secured by a subordinate lien +3 – Not secured by a lien +4 – Not Applicable (ie purchased loans) +Special Housing Goals Loan +1 – Yes +2 – No +Federal Financial Stability Plan +1 – Yes +2 – No +Acquisition Type +1 - Cash +2 - SWAP +3 - Other +4 - Credit Enhancement +5 - Bond or Debt Purchase +6 - REMIC +7 - Reinsurance +8 - Risk Sharing +9 - REIT +GSE Real Estate Owned +1 – Yes +2 – No diff --git a/chunks/txt/ce1b6a784ac7d369f65b3fc4b85e9491104136969d34379f84a1d4729a08accc.txt b/chunks/txt/ce1b6a784ac7d369f65b3fc4b85e9491104136969d34379f84a1d4729a08accc.txt new file mode 100644 index 0000000000000000000000000000000000000000..6fa26218880dc5c7cb83b475bbcc2d79a3a52cac --- /dev/null +++ b/chunks/txt/ce1b6a784ac7d369f65b3fc4b85e9491104136969d34379f84a1d4729a08accc.txt @@ -0,0 +1,20 @@ +Help by phone is available in more than 180 languages when you call (855) 411-2372. Visit [www.consumerfinance.gov/language/](https://www.consumerfinance.gov/language/) for more information. + +## Homeownership Preservation Foundation + +[Image + +![hpf homeowner's HOPE hotline](/sites/default/files/styles/large/public/2023-11/hpf_hopehotline_0.jpg?itok=TJ2QJ8fG)](https://995hope.org/) + +The Homeownership Preservation Foundation provides financial education for anyone thinking about buying their first home, currently own a home, or are thinking about homeownership again. A HUD certified counselor is ready to talk with you. You and your coach will review your overall financial outlook together and develop a comprehensive action plan specifically tailored to your unique circumstances and goals. Call **(888) 995HOPE (4673)**and request assistance in your preferred language. + +[https://995hope.org/](https://995hope.org/) + +For help with… Services and cost Contact Availability & languages supported - Foreclosure Prevention +- Financial management/budget counseling +- Financial wellness coaching +- Buying or renting a home +- Reverse Mortgage Free hotline. Request assistance in your language and the hotline will connect you with a translator **(888) 995-HOPE (4673)** English, Spanish, and able to support over 200 additional languages, offering extended hours weekdays 8-10pm ET and Saturdays 9-6 ET + +*​**LEGAL DISCLAIMER*** +*This Mortgage Translations clearinghouse is intended to serve as a resource for institutions serving consumers with limited proficiency in English. The material presented is for informational purposes only. FHFA is not liable for any inaccuracies in translated materials or misunderstandings due to language usage or dialect. The Mortgage Translations clearinghouse may include material created by parties other than FHFA and contains hyperlinks to materials hosted by Fannie Mae and Freddie Mac. While the Mortgage Translations clearinghouse provides a centralized location for relevant materials and information, FHFA does not endorse or guarantee the accuracy of any such third-party materials and information. Recent updates to third-party materials and information may not be reflected immediately on the Mortgage Translations clearinghouse. ​* diff --git a/chunks/txt/ce1d0b1ca99e14f2768914ac28a439aad63bc12a3aed3704254068b38849caad.txt b/chunks/txt/ce1d0b1ca99e14f2768914ac28a439aad63bc12a3aed3704254068b38849caad.txt new file mode 100644 index 0000000000000000000000000000000000000000..d8156353f7c8c13b896589cb90e324da34171d33 --- /dev/null +++ b/chunks/txt/ce1d0b1ca99e14f2768914ac28a439aad63bc12a3aed3704254068b38849caad.txt @@ -0,0 +1,82 @@ +2 20000001 3 2 3 4 1 1 4 1 718000 9 1 1 1 0.0000 +2 20000002 3 3 3 4 1 1 4 1 641000 9 1 1 1 0.0000 +2 20000003 3 2 1 2 2 1 4 1 90000 8 2 2 1 0.0000 +2 20000004 1 2 3 4 1 1 4 1 495000 9 1 1 1 0.0000 +2 20000005 3 2 2 2 1 1 5 1 351000 10 1 1 1 0.0000 +2 20000006 2 2 3 2 2 1 4 1 215000 9 1 1 2 1.0000 +2 20000007 3 2 3 2 1 1 4 1 214000 10 1 1 1 0.0000 +2 20000008 2 1 2 5 1 1 4 1 255000 9 1 1 1 0.0000 +2 20000009 3 2 3 5 1 1 3 1 260000 7 1 1 1 0.0000 +2 20000010 1 2 1 2 1 1 4 1 58000 9 1 1 1 0.0000 +2 20000011 3 1 2 2 1 1 3 1 295000 10 1 1 1 0.0000 +2 20000012 1 1 3 4 1 1 3 1 199000 9 1 1 1 0.0000 +2 20000013 2 2 3 1 2 1 2 1 189000 10 1 1 2 1.0000 +2 20000014 1 2 3 3 2 1 3 1 370000 9 1 1 1 0.0000 +2 20000015 3 1 3 5 1 1 3 1 415000 8 1 1 1 0.0000 +2 20000016 3 1 1 1 2 1 4 1 350000 10 1 1 1 0.0000 +2 20000017 1 2 3 4 1 1 2 1 220000 6 1 1 1 0.0000 +2 20000018 3 1 3 4 1 1 5 1 390000 9 1 1 1 0.0000 +2 20000019 3 2 3 4 1 1 3 1 391000 9 1 1 1 0.0000 +2 20000020 2 9 3 3 1 1 5 1 238000 9 1 1 1 0.0000 +2 20000021 2 3 3 2 2 1 3 1 673000 8 1 1 1 0.0000 +2 20000022 2 1 3 2 1 1 5 1 205000 9 2 2 1 0.0000 +2 20000023 2 1 3 2 1 1 5 1 295000 10 1 1 1 0.0000 +2 20000024 2 2 3 4 1 1 3 1 280000 8 1 1 1 0.0000 +2 20000025 3 2 3 2 2 1 3 1 370000 9 1 1 1 0.0000 +2 20000026 2 2 3 5 1 1 2 1 340000 9 1 1 1 0.0000 +2 20000027 1 1 3 2 1 1 5 1 170000 8 1 1 1 0.0000 +2 20000028 3 2 3 5 1 1 2 1 485000 9 1 1 1 0.0000 +2 20000029 2 2 3 4 1 1 3 1 600000 8 1 1 1 0.0000 +2 20000030 2 2 3 2 2 1 4 1 1095000 9 1 1 1 0.0000 +2 20000031 2 2 3 5 1 1 2 1 265000 8 1 1 1 0.0000 +2 20000032 3 2 3 2 1 1 5 1 252000 9 1 1 1 0.0000 +2 20000033 3 2 3 3 1 1 3 1 279000 8 1 1 1 0.0000 +2 20000034 2 1 2 4 1 1 2 1 80000 8 1 1 1 0.0000 +2 20000035 3 2 1 4 1 1 4 1 160000 7 1 1 1 0.0000 +2 20000036 3 1 2 3 1 1 2 1 265000 8 1 1 1 0.0000 +2 20000037 3 3 3 2 2 1 4 1 321000 9 1 1 1 0.0000 +2 20000038 2 2 3 2 2 1 3 1 400000 10 1 1 1 0.0000 +2 20000039 3 1 1 2 1 1 4 1 50000 10 1 1 1 0.0000 +2 20000040 2 2 3 2 2 1 3 1 320000 10 1 1 1 0.0000 +2 20000041 1 1 3 2 1 1 5 1 215000 9 1 1 1 0.0000 +2 20000042 3 1 3 2 1 1 4 1 738000 10 1 1 1 0.0000 +2 20000043 3 1 3 4 1 1 3 1 384000 9 1 1 1 0.0000 +2 20000044 2 3 3 2 2 1 5 1 759000 10 1 1 1 0.0000 +2 20000045 3 1 3 3 1 1 4 1 245000 9 1 1 1 0.0000 +2 20000046 2 1 3 4 1 1 4 1 65000 10 1 1 2 1.0000 +2 20000047 2 2 3 5 1 1 4 1 325000 8 1 1 2 1.0000 +2 20000048 3 2 3 3 1 1 3 1 1280000 10 1 1 1 0.0000 +2 20000049 3 1 3 2 1 1 5 1 70000 9 1 1 1 0.0000 +2 20000050 3 2 3 2 2 1 2 1 236000 10 1 1 1 0.0000 +2 20000051 2 2 3 2 2 1 2 1 710000 9 1 1 1 0.0000 +2 20000052 3 2 2 5 1 1 3 1 167000 9 1 1 1 0.0000 +2 20000053 3 2 3 4 1 1 3 1 280000 9 1 1 1 0.0000 +2 20000054 3 1 3 3 1 1 5 1 98000 9 1 1 1 0.0000 +2 20000055 3 1 3 3 1 1 2 1 385000 9 1 1 1 0.0000 +2 20000056 2 2 1 2 1 1 4 1 295000 9 1 1 1 0.0000 +2 20000057 2 3 3 2 1 1 5 1 453000 10 1 1 1 0.0000 +2 20000058 3 1 3 2 1 1 4 1 125000 10 1 1 1 0.0000 +2 20000059 3 1 2 2 2 1 3 1 132000 8 1 1 2 1.0000 +2 20000060 2 2 3 4 1 1 2 1 340000 8 1 1 1 0.0000 +2 20000061 2 2 2 5 1 1 3 1 120000 8 1 1 2 1.0000 +2 20000062 3 2 3 2 2 1 2 1 194000 10 1 1 1 0.0000 +2 20000063 2 2 3 5 1 1 3 1 169000 10 1 1 1 0.0000 +2 20000064 2 2 3 2 1 1 3 1 150000 9 1 1 1 0.0000 +2 20000065 3 1 3 2 1 1 4 1 137000 7 2 2 1 0.0000 +2 20000066 3 2 3 3 1 1 3 1 466000 9 1 1 1 0.0000 +2 20000067 2 2 3 5 1 1 3 1 270000 10 1 1 1 0.0000 +2 20000068 3 1 2 5 1 1 3 1 154000 9 1 1 1 0.0000 +2 20000069 3 3 3 4 1 1 4 1 430000 9 1 1 1 0.0000 +2 20000070 3 1 3 4 1 1 2 1 230000 9 1 1 1 0.0000 +2 20000071 3 1 1 5 1 1 3 1 152000 8 1 1 1 0.0000 +2 20000072 3 2 3 2 1 1 3 1 675000 6 1 1 1 0.0000 +2 20000073 3 2 3 2 2 1 3 1 765000 10 1 1 1 0.0000 +2 20000074 2 2 3 3 2 1 2 1 371000 9 1 1 1 0.0000 +2 20000075 2 2 3 3 1 1 5 1 189000 10 1 1 1 0.0000 +2 20000076 3 3 3 3 1 1 4 1 195000 9 1 1 1 0.0000 +2 20000077 3 2 3 2 2 1 2 1 205000 9 1 1 1 0.0000 +2 20000078 1 1 1 2 1 1 4 1 135000 10 1 1 1 0.0000 +2 20000079 1 2 3 5 1 1 2 1 345000 9 1 1 1 0.0000 +2 20000080 2 3 3 2 2 1 3 1 275000 10 1 1 1 0.0000 +2 20000081 3 1 3 5 1 1 2 1 225000 10 1 1 1 0.0000 +2 20000082 3 diff --git a/chunks/txt/ce1d2a9ca7e767c43bfd8d60d83b75f2948df753988b8de63d03891ca3192076.txt b/chunks/txt/ce1d2a9ca7e767c43bfd8d60d83b75f2948df753988b8de63d03891ca3192076.txt new file mode 100644 index 0000000000000000000000000000000000000000..1583b84e0682498fd05eda0459d300614400742b --- /dev/null +++ b/chunks/txt/ce1d2a9ca7e767c43bfd8d60d83b75f2948df753988b8de63d03891ca3192076.txt @@ -0,0 +1,164 @@ +This field is required if the value of field e-19 +(GSE Below Grade Finish Square Feet Number) +is greater than zero. + +R + +CR + +R + +CR + +CR + +CR + +CR + +CR + +CR + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 198 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +327 + +2 + +e-24 + +SALES +COMPARISON +APPROACH + +Rooms Below Grade + +(Line 2) + +GSE Below Grade +Other Room Count + +The number of finished rooms other than +recreation rooms, bedrooms, and +bathrooms in the below grade space. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEBelowGradeOtherRoomCount + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Rooms Below Grade Adjustment + +Sale Price +Adjustment Amount + +(Line 2) + +Functional Utility + +Sale Price +Adjustment +Description + +Functional Utility Adjustment + +Sale Price +Adjustment Amount + +Heating/Cooling + +Sale Price +Adjustment +Description + +Heating/Cooling Adjustment + +Sale Price +Adjustment Amount diff --git a/chunks/txt/ce2097156b7d09229ba128e2e2e2136006488610541caf3cdcfac2018a4db89f.txt b/chunks/txt/ce2097156b7d09229ba128e2e2e2136006488610541caf3cdcfac2018a4db89f.txt new file mode 100644 index 0000000000000000000000000000000000000000..547d9cb0d0c11c6d5d1203ae1d4e809c03591ec2 --- /dev/null +++ b/chunks/txt/ce2097156b7d09229ba128e2e2e2136006488610541caf3cdcfac2018a4db89f.txt @@ -0,0 +1,121 @@ +Page 179 + +Unit Interior: General Information – Area Breakdown and Data Source, Finish of Below Grade Areas + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point/Attribute Name + +Display Rules + +Area Breakdown (Figure 10 - 6) + +Always displays + +10.003 + +Finished Above Grade + +0700.0140 + +10.004 + +Finished Above Grade +(Nonstandard) + +0700.0141 + +10.005 + +Unfinished Above Grade + +0700.0142 + +10.006 + +Finished Below Grade + +0700.0143 + +10.007 + +Finished Below Grade +(Nonstandard) + +1800.0398 + +10.008 + +Unfinished Below Grade + +0700.0144 + +UnitStandardAboveGradeFinishedAreaMeasure + +- Display Area and Unit of Measure in same cell (example: 3,002 Sq. Ft. ) + +- +@UnitOfMeasureType +UnitNonStandardAboveGradeFinishedAreaMeasure - Display Area and Unit of Measure in same cell +@UnitOfMeasureType +- + +If zero, do not display the row + +Display even if zero + +UnitAboveGradeUnfinishedAreaMeasure + +@UnitOfMeasureType + +UnitStandardBelowGradeFinishedAreaMeasure + +@UnitOfMeasureType + +- Display Area and Unit of Measure in same cell + +Display even if zero + +- Display Area and Unit of Measure in same cell + +Display even if zero + +- + +- + +UnitNonStandardBelowGradeFinishedAreaMeasure + +@UnitOfMeasureType + +UnitBelowGradeUnfinishedAreaMeasure + +@UnitOfMeasureType + +- + +- + +- + +- Display Area and Unit of Measure in same cell + +If zero, do not display the row + +- Display Area and Unit of Measure in same cell + +Display even if zero + +Always displays + +Always displays area data source(s). +If there are multiple, display as stacked. + +An arcrole is required for each data source from DATA_SOURCE_n to +PROPERTY_UNIT_AREA_n + +Display when (UnitStandardBelowGradeFinishedAreaMeasure > 0 OR +UnitNonStandardBelowGradeFinishedAreaMeasure > 0) diff --git a/chunks/txt/ce2f35148e5947e59348bd0870ed9fd8988308cd7f8106714f71026c4f3b199b.txt b/chunks/txt/ce2f35148e5947e59348bd0870ed9fd8988308cd7f8106714f71026c4f3b199b.txt new file mode 100644 index 0000000000000000000000000000000000000000..f79d5d0051904e90c980bb88f3a10f4e64899297 --- /dev/null +++ b/chunks/txt/ce2f35148e5947e59348bd0870ed9fd8988308cd7f8106714f71026c4f3b199b.txt @@ -0,0 +1,30 @@ +This documentation is especially important for transactions involving an assignment (or sale) of a contract for sale and back-to- +back, simultaneous, double transaction closings, or double escrows to support the property acquisition, financing, and closing. + +When the transaction is part of an employee relocation, the relocation company may be the assignee of the seller, which should +be indicated on the sales contract. Additionally, the appraiser must comment on this condition in the appraisal report. + +Objective and Unbiased Appraisals + +A lender must ensure the appraiser + +• described the property and the market area in factual, unbiased, and specific terms; +• +• was objective and unbiased in the development of the opinion of market value in the appraisal report. + +considered all factors that have an effect on value; and + +A number of federal, state, and local laws prohibit discrimination in the appraisal of housing. Fannie Mae expects professional +appraisers to fully understand that discriminatory valuation and appraisal reporting practices are not only illegal, but also +unethical. Unintentional discrimination can occur in the appraisal report as the result of what an appraiser states, or fails to state. +The lender and appraiser must ensure the appraisal is not in violation of any unacceptable appraisal practices (see SB4-1.1-04, +Unacceptable Appraisal Practices). + +Reporting Unfavorable Conditions + +The lender must ensure that appraiser comments regarding unfavorable conditions, such as the existence of an adverse +environmental or economic factor, also discuss how the condition affects the value or marketability of the property being +appraised and explain how the condition was taken into consideration in the valuation process. In such cases, the appraiser’s +analysis must reflect and include comparable sales that are similarly affected whenever possible. The appraiser must address the +impact these factors may have, if any, on the value and marketability of the subject property. (See SB4-1.3-06, Dwelling Condition +and Quality of Construction, for further information). diff --git a/chunks/txt/ce3cc3b884743707897a4392cc9162ac2485c167dc414e8a4ddaeac813d0e259.txt b/chunks/txt/ce3cc3b884743707897a4392cc9162ac2485c167dc414e8a4ddaeac813d0e259.txt new file mode 100644 index 0000000000000000000000000000000000000000..a90247d48c987724bc1c8b3246a1a6938ce06c13 --- /dev/null +++ b/chunks/txt/ce3cc3b884743707897a4392cc9162ac2485c167dc414e8a4ddaeac813d0e259.txt @@ -0,0 +1,89 @@ +Uniform Closing Dataset + +13.0 Calculation (Borrower’s Transaction) + +Table 123. Total - Cash to Close From or To the Borrower + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +13.3.1 Cash to Close ($) + +ROF as “$25,332.30” + +A. FOR MORE I NFORMATI ON + +13.0 Reg §1026.38(j)(3) pp. 80125, 80357, 80021. + +13.1 Reg §1026.38(j)(3)(i) pp. 80126, 80023. + +13.2 Reg §1026.38(j)(3)(ii) pp. 80126, 80023. + +13.3 Reg §1026.38(j)(3)(iii) pp. 80126, 80358, 80023. + +Appendix E: UCD Implementation Guide + +Page 183 of 254 + +Version 1.4 + +Uniform Closing Dataset + +14.0 M. Due to Seller at Closing - REMOVED + +14.0 M. DUE TO SELLER AT CLOSING - REMOVED + +Because the GSEs are not collecting data from the SELLER’S TRANSACTION, this section has been removed. + +Appendix E: UCD Implementation Guide + +Page 184 of 254 + +Version 1.4 + +Uniform Closing Dataset + +15.0 N. Due from Seller at Closing - REMOVED + +15.0 N. DUE FROM SELLER AT CLOSING - REMOVED + +Because the GSEs are not collecting data from the SELLER’S TRANSACTION, this section has been removed. + +Appendix E: UCD Implementation Guide + +Page 185 of 254 + +Version 1.4 + +Uniform Closing Dataset + +16.0 Calculation (Seller’s Transaction) - REMOVED + +16.0 CALCULATION (SE LLER’S TRANSACTION) - REMOVED + +Because the GSEs are not collecting data from the SELLER’S TRANSACTION, this section has been removed. + +Appendix E: UCD Implementation Guide + +Page 186 of 254 + +Version 1.4 + +Uniform Closing Dataset + +17.0 Loan Disclosures + +17.0 LOAN DISCLOSURE S + +The Loan Disclosures section is included in the following Closing Disclosure variations: diff --git a/chunks/txt/ce3e73c175b0804f5bc618b869325d39a9db6417cbca3770e72828a723072261.txt b/chunks/txt/ce3e73c175b0804f5bc618b869325d39a9db6417cbca3770e72828a723072261.txt new file mode 100644 index 0000000000000000000000000000000000000000..b36fc19d61b1acb806a0107fa2812294eb80cb70 --- /dev/null +++ b/chunks/txt/ce3e73c175b0804f5bc618b869325d39a9db6417cbca3770e72828a723072261.txt @@ -0,0 +1,41 @@ +same + +Desktop Underwriter Validation Service +Release Notes + +June 18, 2024 + +During the weekend of August 17, 2024, Fannie Mae will implement an update to the Desktop Underwriter® (DU®) validation +service, which will include the changes described below. These changes will apply to loan casefiles submitted or resubmitted to +DU on or after August 17, 2024. + +Asset validation changes + +The changes in this release apply when an asset verification report has been received by DU for a given loan casefile. They include +the following: + +▪ Asset validation up to the total balance of liquid accounts +▪ Considering proceeds from the pending sale of real estate (net equity) when validating assets observed in the asset + +verification report +Evaluating assets when reported assets are not sufficient to cover closing costs + +▪ +▪ Messaging about assets observed in the asset verification report + +Asset validation up to total balance of liquid accounts + +Currently, DU will attempt to validate assets only up to the Total Funds to be Verified amount. With this update, DU will validate +the greater of: + +• +• + +the sum of the liquid accounts in the asset verification report less any large deposits (where applicable); or +the Total Funds to be Verified amount. + +DU will issue a new message providing the Total Funds to be Verified amount and the amount of funds that have been validated. +When liquid assets are not greater than Total Funds to be Verified, DU will continue to evaluate non-liquid accounts. + +Considering proceeds from the pending sale of real estate (net equity) when validating +assets observed in the asset verification report diff --git a/chunks/txt/ce5311b5d4179a8be1202818a3057ac09d0c6d325f422d3860118b294880d8e6.txt b/chunks/txt/ce5311b5d4179a8be1202818a3057ac09d0c6d325f422d3860118b294880d8e6.txt new file mode 100644 index 0000000000000000000000000000000000000000..080bb6b2b886eca08fa5d26421634b2adc084e52 --- /dev/null +++ b/chunks/txt/ce5311b5d4179a8be1202818a3057ac09d0c6d325f422d3860118b294880d8e6.txt @@ -0,0 +1,5 @@ +05 Certifications and Scope of Work ___________________________________________________________________________________________ 34 + +Data Mapping and PDF Rendering ...................................................................................................................................................................................... 37 + +Scope of Work ............................................................................................................................................................................................................ 37 diff --git a/chunks/txt/ce54b59b611736ece6c57e0e7bd97e3854a0bb118e45aa9a478d38c3aab4cea8.txt b/chunks/txt/ce54b59b611736ece6c57e0e7bd97e3854a0bb118e45aa9a478d38c3aab4cea8.txt new file mode 100644 index 0000000000000000000000000000000000000000..5c5f3d99b5e5d59901aa13b67b988511e9d3d1e6 --- /dev/null +++ b/chunks/txt/ce54b59b611736ece6c57e0e7bd97e3854a0bb118e45aa9a478d38c3aab4cea8.txt @@ -0,0 +1,148 @@ +DU Underwriting Findings – Modified DU Validation Service Messages + +DU verification messages returned in the DU Underwriting Findings report can include “list” type messages that specify details on +the validation received from third party verification reports that customers can order and reference to DU. The following +messages are designated as modified because there are new combinations of vendors and report types that can be used to +validate employment and income for a borrower. + +Message +Status + +Message +Identifier + +Message Severity +Type Code + +Message Category +Type Code + +Message +Type + +Lender Text + +Modified + +3299 + +VERIFICATION + +RISK ASSESSMENT + +List + +Modified + +3303 + +VERIFICATION + +RISK ASSESSMENT + +List + +Modified + +3305 + +VERIFICATION + +EMPLOYMENT & +INCOME + +List + +DU received data from the vendor report(s) +shown below. +Borrower | Vendor and Rep Type | Rep ID | Rep +Date | Exp Date + +DU did not receive report data from the +vendor(s) shown below. +Borrower | Vendor and Rep Type | Rep ID | +Reason + +DU validated borrower employment shown +below. The specified report(s) is acceptable +documentation to support this employment. +Borrower | DU Employer | Vendor and Rep +Type | Rep ID | Employer Name in Rep | Close- +By Date + +© 2024 Fannie Mae + +2 of 4 + +Message +Status + +Message +Identifier + +Message Severity +Type Code + +Message Category +Type Code + +Modified + +3307 + +VERIFICATION + +Modified + +3309 + +VERIFICATION + +Modified + +3313 + +VERIFICATION + +Modified + +3319 + +VERIFICATION + +EMPLOYMENT & +INCOME + +EMPLOYMENT & +INCOME + +EMPLOYMENT & +INCOME + +EMPLOYMENT & +INCOME + +Message +Type + +List + +List + +List + +List + +Lender Text + +DU could not validate borrower employment +shown below for the reason provided. +Borrower | DU Employer | Vendor and Rep +Type | Rep ID | Employer Name(s) in Rep | +Reason +DU validated borrower income shown below. +The specified report(s) is acceptable +documentation to support this income. +Borrower | DU Income Type | Vendor and Rep +Type | Rep ID | Income Source from Rep | +Validated Amount | Close-By Date diff --git a/chunks/txt/ce635315beca2d8f5a25b104f275b767a952d6b70b60acf799160fd0020dadb6.txt b/chunks/txt/ce635315beca2d8f5a25b104f275b767a952d6b70b60acf799160fd0020dadb6.txt new file mode 100644 index 0000000000000000000000000000000000000000..c007d65ed0d33961024c0eb0e0c2d9e591a4370e --- /dev/null +++ b/chunks/txt/ce635315beca2d8f5a25b104f275b767a952d6b70b60acf799160fd0020dadb6.txt @@ -0,0 +1,57 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +#### Search & Filter + +Keyword + +Category Briefs, Notes & White Papers + +NMDB Staff Working Papers + +Staff Working Papers Items per page 10 25 50 + +## Search & Filter + +Keyword + +Category Briefs, Notes & White Papers + +NMDB Staff Working Papers + +Staff Working Papers Items per page 10 25 50 + +# Research + +- Staff Working Papers + +January 17, 2025 + +## [Working Paper 25-02: Disclosure Dilemmas: How Appraisal Information Reshapes Residential Property Valuations for Mortgage Lending](/research/papers/wp2502) diff --git a/chunks/txt/ce6a09c9a214c342bb81adf5b2c2400156e6adcf34f3cd1647d21bc8749daadd.txt b/chunks/txt/ce6a09c9a214c342bb81adf5b2c2400156e6adcf34f3cd1647d21bc8749daadd.txt new file mode 100644 index 0000000000000000000000000000000000000000..fbb1f9ca040d471d266464fc71991b99d043dbc8 --- /dev/null +++ b/chunks/txt/ce6a09c9a214c342bb81adf5b2c2400156e6adcf34f3cd1647d21bc8749daadd.txt @@ -0,0 +1,171 @@ +Appendix F-1: URAR Reference Guide + +Page 292 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +23 Rental Information + +Rental Comparison Grid + +Report +Field ID + +23.03.25 + +Report Label + +Proximity to +Subject + +When Row +Displays + +When to Include for +each Comparable Unit + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Always + +Always required + +Number of miles +or kilometers + +Proximity to Subject is +only applicable to +comparables + +No + +Proximity to Subject +Note: Can be 0, such as when the comparable is in the same building as +the subject property or an adjacent property. + +Rental Information: Rental Comparison Grid + +Appendix F-1: URAR Reference Guide + +Page 293 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +23 Rental Information + +Report +Field ID + +23.03.25 + +Report Label + +When Row +Displays + +When to Include for +each Comparable Unit + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Rental Information: Rental Comparison Grid + +Proximity to +Subject + +Always + +Required if Proximity +to Subject is not 0 + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Direction from Subject +to Comparable +is only applicable to +comparables + +No + +Direction from Subject to Comparable +• +E +• +N +• +NE +• +NW +• +S +• +SE +• +SW +• W + +23.03.02 +23.03.26 + +Neighborhood +Name + +If relevant + +Required when the +row is included in the +rental comparison grid + +Free-form + +N/A + +Always required + +Yes | No + +N/A + +Always required + +Yes | No + +Not on +Report + +Not on +Report + +This is an +appraiser +input that +does not +display in the +rental grid diff --git a/chunks/txt/ce700f953b4e949222d34ff965297e88951b52ebe102337cce76093298b7d008.txt b/chunks/txt/ce700f953b4e949222d34ff965297e88951b52ebe102337cce76093298b7d008.txt new file mode 100644 index 0000000000000000000000000000000000000000..582b928b6069d1a7abf8567f2675510c062f3c4f --- /dev/null +++ b/chunks/txt/ce700f953b4e949222d34ff965297e88951b52ebe102337cce76093298b7d008.txt @@ -0,0 +1,29 @@ +6. Appraisal records for the properties in Guam and the U.S. Virgin Islands are excluded because of + +insufficient record counts. + +3b. Comparison with UAD Aggregate Statistics Data File + +FHFA created and continues to maintain a UAD Aggregate Statistics Data File. The Aggregate Statistics +Data File includes millions of statistics aggregated from UAD appraisal records. Users of both the +Aggregate Statistics Data File and the Appraisal-Level PUF might wonder whether aggregate statistical +estimates created using the Appraisal-Level PUF will match similar estimates in the Aggregate Statistics +Data File. + +5 Typically, there is a gap of 1-3 months from an appraisal to loan origination, another gap of 1-6 months between +loan origination and loan acquisition by the Enterprises, and a gap of at least 45 days from loan acquisition to data +delivery. Due to this reason, the mortgage data for 2023 originations, including the information on whether +mortgages associated with the appraisal were originated and acquired by the Enterprises, are not yet fully available. +There is a similar lag time for the FHA appraisal data. + +Federal Housing Finance Agency + +3 + +UAD PUF Version 2.1 Data Documentation + +The answer is “usually not.” The primary reason estimates will differ is the universe of UAD records +eligible for inclusion in each product is different. In fact, the universe of UAD records eligible for +inclusion in the UAD Appraisal-Level PUF is smaller than the universe of UAD records eligible for +inclusion in UAD Aggregate Statistics. The following table describes the similarities and differences in +the universes of each product. diff --git a/chunks/txt/ce7214939d39bfbdb5277fcd143ac756563febb5bcb16ed1944e01aa65441c68.txt b/chunks/txt/ce7214939d39bfbdb5277fcd143ac756563febb5bcb16ed1944e01aa65441c68.txt new file mode 100644 index 0000000000000000000000000000000000000000..c2889f885efe463d83d46f3be75bc182e6875805 --- /dev/null +++ b/chunks/txt/ce7214939d39bfbdb5277fcd143ac756563febb5bcb16ed1944e01aa65441c68.txt @@ -0,0 +1,68 @@ +Unique ID MISMO Data Point Name + +Display Rules + +03.001 + +Effective Date + +2900.0009 + +AppraisalUpdateReportEffectiveDate + +Always displays + +03.002 + +03.003 + +Has the Market value of the subject +property decreased since the effective +date of the original appraisal? +Appraisal Update Commentary + +2900.0010 + +PropertyMarketValueDecreasedIndicator + +Always displays + +2900.0008 + +AppraisalUpdateCommentDescription + +Display when exists + +Figure 3 - 1 + +Appraisal Update Commentary + +The Appraisal Update Commentary subsection displays when comments are provided. Any commentary must use +AppraisalUpdateCommentDescription (UID: 2900.0008, FID: 03.003) + + + +Additional commentary may be added here. + + + +Page 16 + +Appraisal Update Exhibits + +The Appraisal Update Exhibits subsection displays when images are provided. All text must display above the image in bold font. + +Dwelling Front + +• When ImageCategoryType (UID: 1400.0835, FID: 03.005.1) = “DwellingFront” display “Dwelling Front” over the image in bold font. +• An additional image caption may be included using ImageCaptionCommentDescription (UID: 1400.0837, FID: 03.005.2). + +Dwelling Rear + +• When ImageCategoryType (UID: 1400.0835, FID: 03.006.1) = “DwellingRear” display “Dwelling Rear” over the image in bold font. +• An additional image caption may be included using ImageCaptionCommentDescription (UID: 1400.0837, FID: 03.006.2). + +Additional Exhibits + +• Other images included must be delivered using ImageCategoryType (UID: 1400.0835, FID: 03.004.1) = “ValuationUpdateExhibit”. +• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0837, FID: 03.004.2). diff --git a/chunks/txt/ce7ba3b0ae832c72831f8acaecc4956d056ea66907d75c2f1a0715657ea53daa.txt b/chunks/txt/ce7ba3b0ae832c72831f8acaecc4956d056ea66907d75c2f1a0715657ea53daa.txt new file mode 100644 index 0000000000000000000000000000000000000000..d6c6feb3b82c55d8055ad0ae41abf3371ee5531a --- /dev/null +++ b/chunks/txt/ce7ba3b0ae832c72831f8acaecc4956d056ea66907d75c2f1a0715657ea53daa.txt @@ -0,0 +1,90 @@ +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be included in +this field: +· USPS two-letter state or territory Representation +This data is referenced more than once on the form (fields 1-8, 2-12c, 6-20c), and must +be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be included in +this field: +· 5-digit ZIP Code or ZIP+4 Code (with or without the dash) +This data is referenced more than once on the form (fields 1-9, 2-12d, 6-20d) and must +be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement – Refer to Appendix D Reconciliation Section + +514 + +6 + +21 + +APPRAISER +CERTIFICATION + +APPRAISED VALUE OF +SUBJECT PROPERTY $ + +Property Appraised +Value Amount + +Statement of property's value from a valid +property valuation source. + +/VALUATION_RESPONSE/VALUATION/@PropertyAppraisedValueAmount + +12 + +Money + +PDF Display Format: +Numeric, whole numbers only. + +515 + +516 + +517 + +518 + +6 + +6 + +6 + +6 + +22 + +23 + +24 + +26 + +APPRAISER +CERTIFICATION + +LENDER/CLIENT +Name + +GSE Management +Company Name + +The appraisal management company +associated with the appraisal report. + +/VALUATION_RESPONSE/PARTIES/MANAGEMENT_COMPANY_EXTEN +SION/MANAGEMENT_COMPANY_EXTENSION_SECTION[@ExtensionSec +tionOrganizationName='UNIFORM APPRAISAL +DATASET']/MANAGEMENT_COMPANY_EXTENSION_SECTION_DATA/ +MANAGEMENT_COMPANY/@GSEManagementCompanyName diff --git a/chunks/txt/ce8156ac8c9d89a7b98625ec6dfb62f2faa3745bcb62e85c64f4984740f66028.txt b/chunks/txt/ce8156ac8c9d89a7b98625ec6dfb62f2faa3745bcb62e85c64f4984740f66028.txt new file mode 100644 index 0000000000000000000000000000000000000000..bb8523cf93ffac29095df584f4acb61b71685f69 --- /dev/null +++ b/chunks/txt/ce8156ac8c9d89a7b98625ec6dfb62f2faa3745bcb62e85c64f4984740f66028.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/budget-finances-and-performance" +date_accessed: "2026-01-27T17:47:56.013Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/ce83c6f5d51eaa3e9255bf89df5f96ff7e58204821ade7b028f9819face62535.txt b/chunks/txt/ce83c6f5d51eaa3e9255bf89df5f96ff7e58204821ade7b028f9819face62535.txt new file mode 100644 index 0000000000000000000000000000000000000000..aa77ce7172d399131e56ccf00fd4808b844be9dd --- /dev/null +++ b/chunks/txt/ce83c6f5d51eaa3e9255bf89df5f96ff7e58204821ade7b028f9819face62535.txt @@ -0,0 +1,146 @@ +1 +Owner +No +0 +1 +0 + +Unit Interior - Standalone ADU - Cottage + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +ADU + +Legally Rentable +Data Source +Typical for Market +Ingress/Egress +Separate Postal Address + +Level and Room Detail + +464 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Assessor Record +MLS +Physical Measurement + +Yes +Assessor Record +Yes +Exterior Access Only +No + +Yes No +  + +Level in Unit +Level 1 + +Grade Level Detail +Above Grade + +Finish +Finished + +Area +464 Sq. Ft. + +Room Summary +1 - Bath - Full +1 - Kitchen +1 - Living Room + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C4 + +The tables below support the Interior Quality and Condition ratings and reflect the market value of the condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Update Status +Not Updated + +Time Frame + +Not Updated + +Quality Comment +Standard builder grade +cabinets, materials, and +appliances + +Standard builder grade +cabinets and materials + +Condition Status +Typical Wear and Tear + +Condition Comment +No damage or condition +issues noted + +Typical Wear and Tear + +No damage or condition +issues noted + +Overall Update Status for +Bathrooms + +Not Updated + +Interior Features + +Feature +Flooring + +Detail +Ceramic Tile + +Laminate + +Walls and Ceiling + +8 Ft. | Flat + +Overall Update Status for +Flooring + +Not Updated + +Quality Comment +Standard Grade - meets +market expectations for this +type of unit. + +Standard Grade - meets +market expectations for this +type of unit. + +Standard drywall meets +market expectations for this +type of dwelling. diff --git a/chunks/txt/ce892443a84e187bb5dd89a03e93b638d6fbd0711551a54e202c9b3d417026aa.txt b/chunks/txt/ce892443a84e187bb5dd89a03e93b638d6fbd0711551a54e202c9b3d417026aa.txt new file mode 100644 index 0000000000000000000000000000000000000000..02e11629f5b4830e84895ac89e4504f47ef417b9 --- /dev/null +++ b/chunks/txt/ce892443a84e187bb5dd89a03e93b638d6fbd0711551a54e202c9b3d417026aa.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/market-data" +date_accessed: "2026-01-27T17:47:56.326Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/ce8e0928d599dc0c65bae01cb83452f4f9ea9355d54f2e8f8b2b6e5a94c7b71d.txt b/chunks/txt/ce8e0928d599dc0c65bae01cb83452f4f9ea9355d54f2e8f8b2b6e5a94c7b71d.txt new file mode 100644 index 0000000000000000000000000000000000000000..847d034142511f1f70a7cd07d2c20a1336b7aedb --- /dev/null +++ b/chunks/txt/ce8e0928d599dc0c65bae01cb83452f4f9ea9355d54f2e8f8b2b6e5a94c7b71d.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13771","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/ce8e218ff46c775b1cce8b0aec2ad905df765eab0328c068bad99daf14b23e46.txt b/chunks/txt/ce8e218ff46c775b1cce8b0aec2ad905df765eab0328c068bad99daf14b23e46.txt new file mode 100644 index 0000000000000000000000000000000000000000..e27e3d9e32a0be3c0aa4ff9b0a5e0be024b79ba9 --- /dev/null +++ b/chunks/txt/ce8e218ff46c775b1cce8b0aec2ad905df765eab0328c068bad99daf14b23e46.txt @@ -0,0 +1,18 @@ +The appraiser must consider the influence of market forces, including economic, governmental, and environmental factors on +property values in the market area. Economic forces that must be considered include such things as the existence of essential +local support services. Examples of governmental forces that should be taken into consideration include the regulations, laws, +and taxes that are imposed on properties. Environmental forces that must be considered include, among other things, the +existence of a hazardous waste site on or near the property, the proximity of a property to an airport, or the Federal Emergency +Management Agency (FEMA) designated flood zone in which the property is located. Characteristics that are not appraisal factors +must not be considered in the valuation process either partially or completely. These characteristics include a person's sex, race, +color, religion, disability, national origin, or familial status. Also, no reference to any protected class of either the prospective +owners or occupants of the subject property or the present owners or occupants of the properties in the vicinity of the subject +property should be considered or reported. + +The appraiser must determine, analyze, and consider factors in the valuation process based on their identification of all forces or +factors that have the potential to influence the property value. The appraiser must report market conditions in factual, specific +terms and be impartial and specific in describing favorable or unfavorable factors. If an appraiser can demonstrate by market +evidence that a characteristic effects the value or marketability of the properties in the market area, they must consider it in the +valuation process. The appraiser must not make unsupported assumptions or interject personal opinion or perceptions about +market forces or other factors that may or may not affect the use and value of a property (see SB4-1.1-04, Unacceptable Appraisal +Practices). diff --git a/chunks/txt/ce9acc17e9d360ddf15fdb4d6b06f5a6cb16d500cee3f04fc0c893ed67e98920.txt b/chunks/txt/ce9acc17e9d360ddf15fdb4d6b06f5a6cb16d500cee3f04fc0c893ed67e98920.txt new file mode 100644 index 0000000000000000000000000000000000000000..e21ff3f4a249302ac1dc8d02877d2b2df5f16bd1 --- /dev/null +++ b/chunks/txt/ce9acc17e9d360ddf15fdb4d6b06f5a6cb16d500cee3f04fc0c893ed67e98920.txt @@ -0,0 +1,17 @@ +In 2024, the GSEs removed the Phase 3B critical edits enforcing a limited set of fee enumerations allowed with IntegratedDisclosureSectionType = ‘BorrowerDidShopFor’, ‘BorrowerDidNotShopFor’, and ‘Other’. + +In UCD v2.0, any supported ucd:FeeItemType enumeration may be used in those sections. Supported enumerations for IntegratedDisclosureSectionType = ‘OriginationCharges‘ and ‘TaxesAndOtherGovernmentFees’ are limited and have been published in the UCD v2.0 Specification and the UCD v2.0 Critical Edits Matrix. See Tab 9-FeeItemType Enumerations in UCD v2.0 for those subsets. + +**26. In UCD v2.0, how do we deliver enumerations that were specified for certain “OtherDescription” data points in UCD v1.5?** + +In UCD v1.5, the following data points ending in “OtherDescription” specified specific enumerations: + +- ClosingAdjustmentItemTypeOtherDescription = “PrincipalReduction | SellersReserveAccountAssumption” +- EscrowItemTypeOtherDescription = “BoroughPropertyTax” +- FeeTypeOtherDescription = “DebtSuspensionInsurancePremium” (This example is valid for UCD v1.5; for v2.0 use ucd:FeeItemType = “DebtSuspensionInsurancePremium”) +- ProrationItemTypeOtherDescription = “OtherAssessments” +UCD v2.0 treats these data points as strings and does not validate the values provided. The values formerly specified as enumerations for these data points may still be provided as string fields (as may any other non-UCD supported enumeration). Should any of these apply to the transaction, provide the text string in the same format shown in UCD v1.5. + +UCD XML File Content + +**27. When the Alternate Form is used for a refinance transaction, how should any gifts or grants be provided in the UCD XML file?** diff --git a/chunks/txt/ce9d3e3f117dd2baf2d412eaa01c4be59019a63d55dbf09fda6a9792c417b2f2.txt b/chunks/txt/ce9d3e3f117dd2baf2d412eaa01c4be59019a63d55dbf09fda6a9792c417b2f2.txt new file mode 100644 index 0000000000000000000000000000000000000000..639a8616aa0369af8636bdec15d3373823cdb8d4 --- /dev/null +++ b/chunks/txt/ce9d3e3f117dd2baf2d412eaa01c4be59019a63d55dbf09fda6a9792c417b2f2.txt @@ -0,0 +1,21 @@ +Signature + +Appraiser +Agatha Appraiser +Agatha Appraiser + +11/30/2019 + +Date of Signature and Report + +Level +ID +State +Expires + +Certified Residential +XYZ12345 +VA +12/31/2019 + +Appraiser Reference ID AA12346Client Reference ID D-124394AMC Reference ID A-1434525Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Per Plans and Specs (CR2) diff --git a/chunks/txt/ce9ead0a718ff69137f7abfc4f645c9dc196b572958578f8117e5321cbb06d09.txt b/chunks/txt/ce9ead0a718ff69137f7abfc4f645c9dc196b572958578f8117e5321cbb06d09.txt new file mode 100644 index 0000000000000000000000000000000000000000..f9f6a1bfc313da9dbae4aa737d67ff8e5675893c --- /dev/null +++ b/chunks/txt/ce9ead0a718ff69137f7abfc4f645c9dc196b572958578f8117e5321cbb06d09.txt @@ -0,0 +1,40 @@ +19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. + +20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any +agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a +predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or +occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). + +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraisal Version #3 + +Fannie Mae | Freddie Mac +September 2024 + +Appraiser Reference ID + +2222-55HG + +Client Reference ID BL2345-1234567 + +Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 29 of 30 +Page 29 of 30 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. diff --git a/chunks/txt/ceb47ae3bc7760ba03d0d435aea951729d3382908903079f2b5ab83055bf494c.txt b/chunks/txt/ceb47ae3bc7760ba03d0d435aea951729d3382908903079f2b5ab83055bf494c.txt new file mode 100644 index 0000000000000000000000000000000000000000..866803f852f9904db01007ce00a5b8ee3a7b6722 --- /dev/null +++ b/chunks/txt/ceb47ae3bc7760ba03d0d435aea951729d3382908903079f2b5ab83055bf494c.txt @@ -0,0 +1,53 @@ +Loans delivered under these guidelines must include SFC 416 as part of the delivery data. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 184 of 166 + +UAD 3.6 Policy + +SB5-7-03, High LTV Refinance Alternative Qualification Path (06/04/2025) + +Introduction + +This topic contains information about using the Alternative Qualification Path for the high LTV refinance option, including: + +• + +Eligibility Requirements + +• Documentation Requirements + +Eligibility Requirements + +The following table provides criteria for using the Alternative Qualification Path. + +If any of the following apply to the new loan… +the P&I payment increases by more than 20% from the +current P&I payment +a borrower on the loan being refinanced is being excluded +from the new loan other than due to death, and the +remaining borrower(s) cannot provide evidence of making +payments on their own for the prior 12 months +the loan is a higher-priced mortgage loan or a higher-priced +covered transaction under Regulation Z + +Then the loan… + +must comply with the Alternative Qualification Path +requirements. + +In addition to all other requirements associated with the high LTV refinance option loans, loans originated in accordance with the +Alternative Qualification Path must also meet the requirements described in the following table. + +✓ + +Additional requirements for high LTV refinance loans originated using Alternative Qualification Paths + +Minimum credit score of 620. + +Maximum DTI ratio of 45%. + +Verified assets needed to close, when applicable. + +The lender is required to manually underwrite all loans subject to the Alternative Qualification Path. diff --git a/chunks/txt/ceb75f56de6b691cb6bc1ee23ecac78abf496d8ce06d15915e3bf814708cbbcf.txt b/chunks/txt/ceb75f56de6b691cb6bc1ee23ecac78abf496d8ce06d15915e3bf814708cbbcf.txt new file mode 100644 index 0000000000000000000000000000000000000000..874e18133dccf8d570f2908dd4f91ef1093e6284 --- /dev/null +++ b/chunks/txt/ceb75f56de6b691cb6bc1ee23ecac78abf496d8ce06d15915e3bf814708cbbcf.txt @@ -0,0 +1,38 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [​FHFA AT-A-GLANCE](/about) + - [William J. Pulte](/about/leadership/william-j-pulte) + - William J. Pulte + +![Proile picture for William J. Pulte](/sites/default/files/2025-09/Director-William-J-Pulte-Portrait_0.jpg) diff --git a/chunks/txt/cec7aee86248daf0f66df8f75601a73909a551b8a94c252f0aa7ca97649747f6.txt b/chunks/txt/cec7aee86248daf0f66df8f75601a73909a551b8a94c252f0aa7ca97649747f6.txt new file mode 100644 index 0000000000000000000000000000000000000000..13ec1945309cf16090dc7e8d32b7eb1febe22944 --- /dev/null +++ b/chunks/txt/cec7aee86248daf0f66df8f75601a73909a551b8a94c252f0aa7ca97649747f6.txt @@ -0,0 +1,24 @@ +Change # + +Revision Description + +2023-017 New appendix showing examples of detached garages and how they are reported in the URAR. + +Reference Guide +Chapter + +Appendix 4: +Detached Garage +Examples + +Appendix F-1: URAR Reference Guide + +Page 7 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Table of Contents + +Table of Contents diff --git a/chunks/txt/ced78d2c2828adccdebc0de02f464d1472c6fad573d266aa00336b51b0c1becb.txt b/chunks/txt/ced78d2c2828adccdebc0de02f464d1472c6fad573d266aa00336b51b0c1becb.txt new file mode 100644 index 0000000000000000000000000000000000000000..8fd5563fb8cb26a97dd965e48421c153dd9e0e4a --- /dev/null +++ b/chunks/txt/ced78d2c2828adccdebc0de02f464d1472c6fad573d266aa00336b51b0c1becb.txt @@ -0,0 +1,5 @@ +Overall Quality and Condition (Ratings: 1-6, 1 is highest) ........................................................................................................................................................ 290 + +Property Amenities .................................................................................................................................................................................................................. 290 + +Vehicle Storage ......................................................................................................................................................................................................................... 291 diff --git a/chunks/txt/cee18722e3d137e5a6b6237c76d0a11fd2f4cd14606b160fe601b6ce102c6bf6.txt b/chunks/txt/cee18722e3d137e5a6b6237c76d0a11fd2f4cd14606b160fe601b6ce102c6bf6.txt new file mode 100644 index 0000000000000000000000000000000000000000..bd0f6e3d6fd54a3e7c34b38c8bcd161c1223b40b --- /dev/null +++ b/chunks/txt/cee18722e3d137e5a6b6237c76d0a11fd2f4cd14606b160fe601b6ce102c6bf6.txt @@ -0,0 +1,36 @@ +Figure 26 - 6 + +Page 356 + +When all the following indicators are “false”, then “None” displays below the subsection header (gray bar), and the Apparent Defects, +Damages, Deficiencies table does not display. (Figure 26 - 7): +• SiteDefectsExistIndicator (UID: 1500.0178, FID: 4.099) +• DwellingExteriorDefectsExistIndicator (UID: 3900.0097, FID: 8.055) +• UnitInteriorDefectsExistIndicator (UID: 3900.0107, FID: 10.055) +• OutbuildingDefectsExistIndicator (UID: 0300.0111, FID: 12.019) +• VehicleStorageDefectsExistIndicator (UID: 3200.0021, FID: 13.004) +• SubjectPropertyAmenitiesDefectsExistIndicator (UID: 0200.0053, FID: 14.005) + +When “None” displays below the subsection header (gray bar), the Apparent Defects, Damages, Deficiencies table does not display. (Figure +26 - 7) + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 26 - 7 + +Page 357 + +As Is Overall Condition Rating + +When NewConstructionIndicator = "false" AND (PropertyValuationConditionalConclusionType = "SubjectToCompletionPerPlans" OR +"SubjectToRepair") + +• Display As Is Overall Condition Rating – PropertyAsIsConditionRatingCode (UID: 1300.0034, FID: 26.071) and display static text in italics +“Existing condition of the property as of the effective date of this appraisal, excluding all required repairs, alterations, or inspections” in +italics below label As Is Overall Condition Rating. + +Reconciliation Exhibits + +The Reconciliation Exhibits subsection displays only when images are provided. All text must display above the image in bold font. + +• Any images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 26.035.1) = “ReconciliationExhibit”. diff --git a/chunks/txt/cee30bb301e0f54bd9387b25bbb5c6124e32e525d1cdad85c68f294ed615bea3.txt b/chunks/txt/cee30bb301e0f54bd9387b25bbb5c6124e32e525d1cdad85c68f294ed615bea3.txt new file mode 100644 index 0000000000000000000000000000000000000000..aa03850413c073d1ae19dd457f2afdc9d2d425cb --- /dev/null +++ b/chunks/txt/cee30bb301e0f54bd9387b25bbb5c6124e32e525d1cdad85c68f294ed615bea3.txt @@ -0,0 +1,109 @@ +TXC-I1 + +Appendix E: Report Style Guide + +Page 23 of 90 + +Version 1.4 + +TXC-NP – Commentary Text Numbered Paragraph + +TEXT + +9/11 Myriad Pro Regular x 45 picas (~135 characters max); 5.5 points +additional space above (except at top of column); Number sets bold +followed by a period and word space. + +TXC-NP + +NOTES + +Sets sentence case. + +TXC-NPI-B – Commentary Text Numbered Paragraph Bold + +TEXT + +9/11 Myriad Pro Regular (~135 characters max) x 45 picas with Bold +introductory phrase (~124 characters max); 5.5 points additional space +above; Indent 1 pica 6 points. + +TXC-NPI-B + +FN – Footnote Text + +FN + +SIG – Signature + +SIG + +NOTES + +Intro phrase “Description of Prior Services” sets bold, initial cap to sentence +case description text. + +TEXT + +8/10 Myriad Pro Regular (~148 characters max) x 45 picas; 5 points +additional space above. + +NOTES + +Sets sentence case. + +TEXT + +Date only: 9/13 Myriad Pro Regular x 22 picas. + +INDENT Align left and text indent 4 points. + +TABS + +Tabbed at 11 picas. + +RULE + +½ point rule in 50% black x 22 picas. Offset 0 picas 2 points. + +NOTES + +Area before tab is for Appraiser’s or Supervisory Appraiser’s signature. + +Appendix E: Report Style Guide + +Page 24 of 90 + +Version 1.4 + +SIG-B – Signature below Rule + +TEXT + +9/13 Myriad Pro Regular x 22 picas, below SIG + +INDENT Align left and text indent 4 points. + +TABS + +Tabbed at 11 picas. + +SIG-B + +Y/N – Yes/No (sets above checkbox [CK] elements) + +TEXT + +8/9 Myriad Pro Bold x 22 picas. + +INDENT Align left and indent 19 picas 6 points. + +Y/N + +CK – Checkbox (full page width) + +TEXT + +9/11 Myriad Pro Bold x 45 picas. + +INDENT Align left and text indent 4 points. diff --git a/chunks/txt/cee4a447b8bab4d097f5bab8ea3810be2e7342a01a2cff248a91536c8ebc2083.txt b/chunks/txt/cee4a447b8bab4d097f5bab8ea3810be2e7342a01a2cff248a91536c8ebc2083.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ecaa60786cf6b356275697fd6e59046e9e6f6c4 --- /dev/null +++ b/chunks/txt/cee4a447b8bab4d097f5bab8ea3810be2e7342a01a2cff248a91536c8ebc2083.txt @@ -0,0 +1,90 @@ +Appendix F-1: URAR Reference Guide + +Page 197 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +18 Project Information + +Unit Special Assessments + +The Unit Special Assessments row always displays in the Project Factors table. +Note: Do not include special tax assessments. These are reported in the Subject Property section (3.008-3.009). + +Special Assessment Types and Associated Amounts + +Project Factors: Unit Special Assessments + +Allowable +Answers / Format + +Choose an +allowable answer +from table (Special +Assessment +Amount Type) + +Dollar amount + +Definition / Additional Guidance + +Special Assessment Amount Type: The appraiser must analyze and report on +proposed and existing special assessments for the project or PUD. +• +• +• + +None +Existing +Proposed + +Project Special Assessment Amount: The total remaining amount that the +association has charged or will charge the unit for items above and beyond +normally scheduled dues. + +Report +Field ID + +Report Label + +When to Include + +18.072 Unit Special +Assessments +(Detail) + +18.072 Unit Special +Assessments +(Detail) + +Required if the +property is in a +condominium, +cooperative, or +condop, or PUD + +Required if Special +Assessment Amount +Type is Existing or if +Special Assessment +Amount Type is +Proposed and the +amount is known to +the appraiser + +Allowable Answer + +Definition / Additional Guidance + +Project Factors – Special Assessment Amount Type (Choose all that apply) + +None + +Existing + +Proposed + +Choose this answer if there are no existing or proposed special assessments for the project. +Note: Do not choose this answer if there is an existing special assessment, even if it has been fully paid by the unit owner. diff --git a/chunks/txt/cef01c4d34ff30497b51945a4b87b3b64d9d88e49e63c0d038aed19f1c17ce7e.txt b/chunks/txt/cef01c4d34ff30497b51945a4b87b3b64d9d88e49e63c0d038aed19f1c17ce7e.txt new file mode 100644 index 0000000000000000000000000000000000000000..74dcb8b3fe35fdab547cc596c508ebdf0c6a18ae --- /dev/null +++ b/chunks/txt/cef01c4d34ff30497b51945a4b87b3b64d9d88e49e63c0d038aed19f1c17ce7e.txt @@ -0,0 +1,9 @@ +**For more information: see**[**Mortgage Translations page**](/mortgage-translations)**.** + +​The Federal Housing Finance Agency's (FHFA) *2018 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions* required the Enterprises to support access to credit for mortgage-ready borrowers with limited English proficiency (LEP), including a multi-year language access plan. The [*Language Access Multi-Year Plan*](/sites/default/files/2023-03/lep-multi-year-plan.pdf) (published May 2018) was developed by Fannie Mae and Freddie Mac in conjunction with FHFA based on research and testing conducted in 2017 (described below) to identify major obstacles for LEP borrowers in accessing mortgage credit and to analyze potential solutions. Key milestones include: + +- *Clearinghouse:*Create an [online clearinghouse](/mortgage-translations) to provide a centralized collection of resources to assist lenders, servicers, and housing counselors in serving LEP borrowers.**[The clearinghouse was launched in](/news/news-release/mortgage-translations-clearinghouse-launched-to-help-borrowers-with-english-language-barriers)[October 2018](/news/news-release/mortgage-translations-clearinghouse-launched-to-help-borrowers-with-english-language-barriers). + - *Language Access Working Group:*Establish a language access working group as a forum for representatives from the housing industry and consumer organizations to provide FHFA and the Enterprises their insights, commentary, and experiences related to serving LEP borrowers. + - *Glossaries:*Develop [translated glossaries](/mortgage-translations/glossaries) that will play a foundational role for improving language access by establishing common terminology that will facilitate standardized translations for all other documents. + - *Disclosure:*Develop a [translated disclosure](/mortgage-translations/language-translation-disclosure) available for use by lenders and servicers to explain that mortgage transactions are likely to be conducted in English, and that identification of a preferred language by the borrower does not mean that lenders or servicers are able to provide, or agree to provide, communications in the preferred language. + - *Language Access Line:*Develop and implement a language access line that enables borrowers to obtain assistance from housing counselors and others in their preferred language. diff --git a/chunks/txt/cef15538ffce67b5c627203808cebdf2bc6dff5dac9a9c5c048539dab6cd8912.txt b/chunks/txt/cef15538ffce67b5c627203808cebdf2bc6dff5dac9a9c5c048539dab6cd8912.txt new file mode 100644 index 0000000000000000000000000000000000000000..a748a3a36a700cf1b861f1d60fb4bf641b8b662c --- /dev/null +++ b/chunks/txt/cef15538ffce67b5c627203808cebdf2bc6dff5dac9a9c5c048539dab6cd8912.txt @@ -0,0 +1,80 @@ +xlink:label + +Value + +Notes + +RELATIONSHIPS CONTAINER + +First instance of RELATIONSHIP +MESSAGE/DEAL_SETS/D +EAL_SET/DEALS/DEAL/ +/RELATIONSHIPS/RELAT +IONSHIP + +Sequence +Number + +arcrole="urn:fdc:mismo +.org:2009:residential + +from + +to + +1 + +CO UNSELING_EVEN +T_IsAssociate dWith_R +O LE +COUNSELING_EVE +NT_1 + +HOUSING_COUNSE +LING_AGENCY_1 + +where +Counseling Type = +“Counseling” +where PartyRoleType += +“HousingCounseling +Agency” + +Table 4. Relationships Container – Component Details + +The figure below (Figure 4) shows a basic example of how the xlink arcrole relationship linking a +counseling event to the housing counseling agency that provided the counseling would look in the +RELATIONSHIPS container. + +RELATIONSHIPS CONTAINER +Showing the RELATIONSHIP Using The Endpoints + +RELATIONSHIPS + RELATIONSHIP + Sequence Number = “1” + xlink:from = “CONSELING_EVENT_1” + xlink:to = “HOUSING_COUNSELING_AGENCY_1” + xlink:arcrole = “COUNSELING_EVENT_IsAssociatedWith_ROLE” + +Figure 4. Using Endpoints and an Arcrole To Define a Relationship + +Data Relationships Using Xlink and MISMO Arcroles + +Page 18 of 29 + +Version 1.1 + +___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles + +RELAT IONSHIP BET WEEN AN ASSET (OWNED PROPERT Y) AND T HE ASSOCIAT ED +LIABILT IES + +The following example provides details about the xlink arcrole relationship needed to define a data +relationship between an asset (owned property) and the associated liabilities for that owned property. + +The figure below (Figure 5) shows examples of an asset (owned property) that will need to be linked to +the associated liability for that property. + +ASSET (Owned Property) And LIABILITY Containers +Identifying Endpoints Of Relationships diff --git a/chunks/txt/cf1a6274dbab96594315eb56927ea6faa38612e453b5df40e29ebea589e29ed4.txt b/chunks/txt/cf1a6274dbab96594315eb56927ea6faa38612e453b5df40e29ebea589e29ed4.txt new file mode 100644 index 0000000000000000000000000000000000000000..3e1180ec87a75118d51df320c865a219c97416ee --- /dev/null +++ b/chunks/txt/cf1a6274dbab96594315eb56927ea6faa38612e453b5df40e29ebea589e29ed4.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/321","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/reports\/mission-report":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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When using a MLS as the data source, the MLS +organization acronym or Representation followed by '#' and then the listing +identification (numbers and letters) must be reported. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +T + +R + +R + +R + +R + +R + +R + +T + +R + +T + +R + +R + +R + +R + +R + +R + +T + +R + +T + +R + +R + +R + +R + +R + +R + +T + +R + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 57 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label diff --git a/chunks/txt/cf24db1dd4f644e24b40dbdd61e450c2ef845e7a1dda5b7fd0acd58db42f86aa.txt b/chunks/txt/cf24db1dd4f644e24b40dbdd61e450c2ef845e7a1dda5b7fd0acd58db42f86aa.txt new file mode 100644 index 0000000000000000000000000000000000000000..a59e8c75fe87686fbfa084ffd7160d1314af6351 --- /dev/null +++ b/chunks/txt/cf24db1dd4f644e24b40dbdd61e450c2ef845e7a1dda5b7fd0acd58db42f86aa.txt @@ -0,0 +1,3 @@ +Sales Comparable ....................................................................................................................................................................................................................... 33 + +Land Comparable ....................................................................................................................................................................................................................... 34 diff --git a/chunks/txt/cf36aa94fde1a08d161d5f82256f90b60f3a0069df0ede95f9bac9d6bb824743.txt b/chunks/txt/cf36aa94fde1a08d161d5f82256f90b60f3a0069df0ede95f9bac9d6bb824743.txt new file mode 100644 index 0000000000000000000000000000000000000000..3ca18aa2274d5b14f91944c66d2bd65df1943bc0 --- /dev/null +++ b/chunks/txt/cf36aa94fde1a08d161d5f82256f90b60f3a0069df0ede95f9bac9d6bb824743.txt @@ -0,0 +1,247 @@ +Comparable #4 +123 Something Pl +Unit 3 +Anyplace, TX 01234 + +Comparable #5 +341 Nothing Dr +Unit 1 +Anyplace, TX 01234 + +Data Source: +MLS XY-347981 + +Lease Start +Date: 03/2022 + +Data Source: +MLS XY-324819 + +Lease Start +Date: 07/2022 + +Data Source: +MLS XY-324720 + +Lease Start +Date: 07/2022 + +Data Source: +MLS XY-234895 + +Lease Start +Date: 09/2022 + +Data Source: +MLS XY-213840 + +Lease Start +Date: 01/2023 + +Actual Rent: $2,700 + +Actual Rent: $2,700 + +Actual Rent: $2,500 + +Actual Rent: $2,500 + +Actual Rent: $2,600 + +This is where the +photo of 341 Nothing +Dr would display. + +Comparable #6 +341 Nothing Dr +Unit 4 +Anyplace, TX 01234 + +Data Source: +MLS XY-258927 + +Lease Start +Date: 02/2023 + +Actual Rent: $2,600 + +Comparable Rental Analysis + +Proximity to Subject + +Floor Number + +Interior Condition + +Bedrooms + +Baths - Full | Half + +Finished Area + +Subject +Unit A + +1 + +C3 + +2 + +2 | 0 + +#1 +3 Miles N + +1 + +C3 + +2 + +2 | 0 + +Comparables +#3 + +#5 + +Subject +Unit B + +4.5 Miles S + +3.5 Miles E + +#1 +3 Miles N + +Comparables +#3 + +#5 + +4.5 Miles S + +3.5 Miles E + +1 + +C4 + +2 + +2 | 0 + +1 + +C3 + +2 + +2 | 0 + +1 + +C3 + +2 + +2 | 0 + +1 + +C3 + +2 + +2 | 0 + +1 + +C4 + +2 + +2 | 0 + +1 + +C3 + +2 + +2 | 0 + +1,190 Sq. Ft. + +1,200 Sq. Ft. + +1,250 Sq. Ft. + +1,050 Sq. Ft. + +1,190 Sq. Ft. + +1,200 Sq. Ft. + +1,250 Sq. Ft. + +1,050 Sq. Ft. + +Vehicle Storage | Spaces + +Carport | 1 +Driveway | 1 + +Similar + +Similar + +Similar + +Carport | 1 +Driveway | 1 + +Similar + +Similar + +Similar + +Amenities + +Summary + +Rent Per Finished Area + +Actual Rent + +Adjusted Rent + +Opinion of +Market Rent + +Patio + +Patio + +Patio + +Patio + +Patio + +Patio + +Patio + +Patio + +$2.10 + +$2,500 + +$2,600 + +$2.25 diff --git a/chunks/txt/cf4b78086f0d7f9e431224d0603cac3caabf9279d11973cecd41c4926e0f11f0.txt b/chunks/txt/cf4b78086f0d7f9e431224d0603cac3caabf9279d11973cecd41c4926e0f11f0.txt new file mode 100644 index 0000000000000000000000000000000000000000..fbc18d6540ccd1436de4f4187d7471124f443844 --- /dev/null +++ b/chunks/txt/cf4b78086f0d7f9e431224d0603cac3caabf9279d11973cecd41c4926e0f11f0.txt @@ -0,0 +1,112 @@ +Uniform Residential Appraisal Report + +Page 9 of 24 +Page 9 of 24 + +Unit Interior (continued) + +Level 1 - Dining Room + +Level 1 - Family Room + +This is where the Dining Room photo would display. + +This is where the Family Room 2 photo would display. + +Level 1 - Kitchen + +Level 1 - Mudroom + +This is where the Kitchen photo would display. + +This is where the Mudroom photo would display. + +Level 1 - Office + +This is where the Office photo would display. + +Functional Obsolescence + +Functional Issues + +None + +Vehicle Storage + +Storage +Driveway + +Garage + +Number of Parking Spaces +4 + +3 + +Detail +Asphalt + +Attached +626 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 10 of 24 +Page 10 of 24 + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Subject Property Amenity +Patio + +Whole Home + +Porch + +Indoor Fireplace + +Material +Concrete + +Composite + +Detail +120 Sq. Ft. + +92 Sq. Ft. + +Total Number - 2 + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Commentary + +The subject amenities are typical for a home of this quality and from this market. If necessary, any differences have been addressed in the sales +comparison grid. + +Subject Property Amenities Exhibits + +Indoor Fireplace - Living Room Fireplace + +Indoor Fireplace - Bedroom Fireplace + +This is where the Indoor Fireplace 1 photo would display. + +This is where the Indoor Fireplace 2 photo would display. + +Patio + +Porch + +This is where the Patio photo would display. diff --git a/chunks/txt/cf57f066afc433a456a2edb477f9afa3b4d798d9c081307dec58666287824ac9.txt b/chunks/txt/cf57f066afc433a456a2edb477f9afa3b4d798d9c081307dec58666287824ac9.txt new file mode 100644 index 0000000000000000000000000000000000000000..cad095861af8925b1d82b274699dcd11d126738b --- /dev/null +++ b/chunks/txt/cf57f066afc433a456a2edb477f9afa3b4d798d9c081307dec58666287824ac9.txt @@ -0,0 +1,41 @@ +to Close table. + +2. Provide the final line item value from the Closing Disclosure. + +3. Compare the values to determine if they are different (for reasons other than rounding). + +a. + +If not, disclose “NO” for Did this change? + +b. If yes, disclose “YES” for Did this change, and provide an explanation with form reference. If + +applicable, boilerplate text is included identifying violation of tolerance limits: “Increase exceeds +legal limits by $____. See Lender Credits on p. 2.” If a tolerance cure is required, it must be +noted on the last line of the TOTAL CLOSING COSTS table as part of the Lender Credits line item +description (9.3.1). + +Appendix E: UCD Implementation Guide + +Page 150 of 254 + +Version 1.4 + +Uniform Closing Dataset + +10.0 Calculating Cash to Close + +The data points supporting this pattern are grouped in CASH TO CLOSE ITEM, which repeats for each line item. + +10. 9 CASH TO CLOSE + +The Final amount in the Calculating Cash to Close table should equal the amount disclosed for Cash to Close +from/to Borrower (13.3.1) in the Summaries of Transactions table. A positive number is the amount that the +borrower(s) must pay at consummation to complete the transaction. A negative number is the amount that the +borrower(s) will receive from the transaction at consummation. A result of zero means that the borrower(s) +neither paid nor received any amount from the transaction at consummation. The Cash to Close line item does +not require a comparison of the Loan Estimate and Final values. + +The following table shows the data points used in support of the Cash to Close Table. + +Table 103. Calculating Cash to Close Table – Model Form and Split Disclosure – Borrower-Only diff --git a/chunks/txt/cf69fc32cd75e58b7b80ef9f5753cef1821a68b42ed01d4800184f0615c4f306.txt b/chunks/txt/cf69fc32cd75e58b7b80ef9f5753cef1821a68b42ed01d4800184f0615c4f306.txt new file mode 100644 index 0000000000000000000000000000000000000000..f376924306d90f369af30da1b5ce0c5c8407b489 --- /dev/null +++ b/chunks/txt/cf69fc32cd75e58b7b80ef9f5753cef1821a68b42ed01d4800184f0615c4f306.txt @@ -0,0 +1,78 @@ +Small rooms typically with flat ceilings, +minimal trim or finishes of basic design. +Economy floor coverings that meet +minimum standards. +Small kitchens featuring economy‐grade +appliances, cabinetry, and countertops or a +mix of standard and economy grade. +Bathrooms that are limited in size and +number, and feature economy‐grade +cabinetry and plumbing fixtures or a +mixture of economy and standard‐grade +elements. + +Small rooms often with low ceilings, limited +closet or storage space, and little or no trim +or finishes. +Low grade or non‐existent floor coverings. +Small kitchens featuring only the minimum +requirements for function; with limited +cabinetry and countertop space; and low‐ +grade or non‐existent appliances. +Bathrooms that are limited in size and +number and feature only the minimum +requirements for function; limited or no +cabinetry; and low‐grade plumbing fixtures. + +Q3 + +Q4 + +Q5 + +Q6 + + + + Multiple windows and doorways constructed +with upgraded materials and featuring +decorative design elements adorning at least +the front of the home. +Roof designs using upgraded roof materials; +may have steep pitches, could have more +than one ridge with hips and valleys, gables, +and overhangs. +Exterior walls constructed using upgraded +materials and featuring multiple corners +with some angled walls or unique shapes. + + + + Windows and doorways constructed of + + + + + + + + + + + + + + + + + +standard‐grade material. +Simple roof designs using standard‐grade +roof materials with moderate pitch and +could have more than one ridge; may +feature some simple decorative elements +such as gables or overhangs. +Exterior walls constructed using standard‐ +grade materials and featuring multiple +corners; but basically rectangular in shape or +footprint. diff --git a/chunks/txt/cf945fcb6493a1ea4b3d6dd082a91ae1bac5cd2f3a3aa61bc427fec44160cf33.txt b/chunks/txt/cf945fcb6493a1ea4b3d6dd082a91ae1bac5cd2f3a3aa61bc427fec44160cf33.txt new file mode 100644 index 0000000000000000000000000000000000000000..2dd8f9f46fcfcdc80826c8d0b7a26d57390808f4 --- /dev/null +++ b/chunks/txt/cf945fcb6493a1ea4b3d6dd082a91ae1bac5cd2f3a3aa61bc427fec44160cf33.txt @@ -0,0 +1,46 @@ +• Small rooms often with low ceilings, +limited closet or storage space, and little or +no trim or finishes. + +• Low grade or non-existent floor coverings. + +• Small kitchens featuring only the +minimum requirements for function; with +limited cabinetry and countertop space; +and low-grade or non-existent appliances. + +• Bathrooms that are limited in size and +number and feature only the minimum +requirements for function; limited or no +cabinetry; and low-grade plumbing +fixtures. + +• Limited windows and +doorways, constructed of lower- +grade materials and featuring +minimal or no trim and finish. + +• Basic roof design, usually low- +pitch and single roofline; may +possess inconsistent rooflines if +additions are present; features +low-grade or alternate roof +materials. + +• Exterior walls constructed +using economy or low-grade +materials and featuring minimal +corners; usually a basic +rectangular shape. + +Identifying Quality of Construction + +The same approach used in identifying the condition of the dwelling(s) is also applicable to identifying the quality of construction. +The selected rating must reflect a holistic view of the quality of construction. However, the Q6 rating is an exception because it +indicates that the dwelling is impacted by one or more deficiencies that negatively affect the soundness or structural integrity of +the dwelling. As a result, if any portion of the dwelling is rated a Q6, the whole dwelling must be rated a Q6. + +Loans secured by dwellings with a quality of construction rating of Q6 are eligible for sale to Fannie Mae provided any items in +relation to the quality of construction that impact the soundness or structural integrity of the property are repaired prior to the +delivery of the loan. See Defects, Damage, or Deficiency in this topic for requirements when completing appraisals on dwellings +with soundness or structural integrity deficiencies. diff --git a/chunks/txt/cf9ec9bbfb1247cd2f3495019fe396e1bff0affa80ffe0489c17d64ada7c50da.txt b/chunks/txt/cf9ec9bbfb1247cd2f3495019fe396e1bff0affa80ffe0489c17d64ada7c50da.txt new file mode 100644 index 0000000000000000000000000000000000000000..1c10d2100563a538aca1d066f825cc2967ab6554 --- /dev/null +++ b/chunks/txt/cf9ec9bbfb1247cd2f3495019fe396e1bff0affa80ffe0489c17d64ada7c50da.txt @@ -0,0 +1,116 @@ +Listed Within +Previous Year +Description + +A free-form text describing the +offering prices, dates, and data +sources of the previous twelve (12) +months of listing. + +/VALUATION_RESPONSE/PROPERTY/LIST +ING_HISTORY/@ListedWithinPreviousYearDe +scription + +43 + +44 + +1 + +1 + +41 + +CONTRACT + +42 + +CONTRACT + +I did analyze the contract +for sale for the subject +purchase transaction. + +I did not analyze the +contract for sale for the +subject purchase +transaction. + +Sales Contract +Reviewed Indicator + +Indicates that the sales contract has +been reviewed. + +/VALUATION_RESPONSE/PROPERTY/SAL +ES_CONTRACT[@_ReviewedIndicator='Y'] + +Sales Contract +Reviewed Indicator + +Indicates that the sales contract has +been reviewed. + +/VALUATION_RESPONSE/PROPERTY/SAL +ES_CONTRACT[@_ReviewedIndicator='N'] + +1 + +1 + +45 + +1 + +e-3 + +CONTRACT + +Explain the results of the +analysis of the contract +for sale or why the +analysis was not +performed. + +GSE Sale Type + +The type of sale associated with the +subject or comparable property +transaction. + +/VALUATION_RESPONSE/PROPERTY/SAL +ES_CONTRACT/SALES_CONTRACT_EXTE +NSION/SALES_CONTRACT_EXTENSION_S +ECTION[@ExtensionSectionOrganizationName +='UNIFORM APPRAISAL +DATASET']/SALES_CONTRACT_EXTENSIO +N_SECTION_DATA/SALES_TRANSACTION +/@GSESaleType + +17 + +Enumerated + +1 + +1 + +4 + +Boolean UAD Requirement - Refer to Appendix D Subject Section + +One and only one of fields 1-38, 1-39 (values +of Listed Within Previous Year Indicator) +must be indicated. + +CR + +CR + +CR + +Boolean UAD Requirement - Refer to Appendix D Subject Section + +One and only one of fields 1-38, 1-39 (values +of Listed Within Previous Year Indicator) +must be indicated. diff --git a/chunks/txt/cfa24e3fb2c717d250fc97f64f44ac001d149bf0e327f817015165d7d8c97daf.txt b/chunks/txt/cfa24e3fb2c717d250fc97f64f44ac001d149bf0e327f817015165d7d8c97daf.txt new file mode 100644 index 0000000000000000000000000000000000000000..a78a2309a315f95a86fc9d6f4fe1a9a49ef26b3b --- /dev/null +++ b/chunks/txt/cfa24e3fb2c717d250fc97f64f44ac001d149bf0e327f817015165d7d8c97daf.txt @@ -0,0 +1,19 @@ +(cid:38)(cid:65)(cid:78)(cid:78)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:69)(cid:0)(cid:92)(cid:0)(cid:38)(cid:82)(cid:69)(cid:68)(cid:68)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:67)(cid:0) +(cid:51)(cid:69)(cid:80)(cid:84)(cid:69)(cid:77)(cid:66)(cid:69)(cid:82)(cid:0)(cid:18)(cid:16)(cid:18)(cid:20)(cid:0) + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27) + +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) diff --git a/chunks/txt/cfa54fe6eb9f242fb0e7deebace78521a453186cf1b08a4adee449235707f990.txt b/chunks/txt/cfa54fe6eb9f242fb0e7deebace78521a453186cf1b08a4adee449235707f990.txt new file mode 100644 index 0000000000000000000000000000000000000000..ae731a4dc1ad60273139a40c74e5a0b521f93e09 --- /dev/null +++ b/chunks/txt/cfa54fe6eb9f242fb0e7deebace78521a453186cf1b08a4adee449235707f990.txt @@ -0,0 +1,7 @@ +Unit Interior Commentary (H1) .......................................................................................................................... 49 + +Unit Interior Exhibits (H1) ................................................................................................................................... 49 + +Functional Obsolescence ............................................................................................................................... 49 + +Functional Obsolescence Commentary (H1) ...................................................................................................... 49 diff --git a/chunks/txt/cfb4c85c76e9fe0f395c13a894c7f16fde5dd044234a2ff690d8778611420589.txt b/chunks/txt/cfb4c85c76e9fe0f395c13a894c7f16fde5dd044234a2ff690d8778611420589.txt new file mode 100644 index 0000000000000000000000000000000000000000..6d882f203d5fd5f2dc25949e163160c5b2410464 --- /dev/null +++ b/chunks/txt/cfb4c85c76e9fe0f395c13a894c7f16fde5dd044234a2ff690d8778611420589.txt @@ -0,0 +1,140 @@ +Feature +Hazard Zone + +Detail +No Hazard Zone Noted + +Utilities and Impact to Value/Marketability + +Broadband Internet Available + +No + +Electricity + +Sanitary Sewer + +Water + +Public + + +Private + + + + + +Detail +Solar + +Septic + +Well + +Apparent Defects, Damages, Deficiencies (Site) + +None + +Impact + +Comment + +Private Utility +Impact +Neutral + +Neutral + +Neutral + +Comment +Subject has solar power but has also maintained +connection to public electrical lines. + +Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 4 of 23 + +Site (continued) + +Site Valuation Methodology + +Opinion of Site Value + +$284,000 + +Primary Site Valuation Method + +Sales Comparison + +# +1 + +2 + +3 + +Address +35350 City Ct +Out There, +VA 56789 + +Jones Rd +Out There, +VA 56789 + +Fairy Farm Ln +Out There, +VA 56789 + +County +Fabricated + +Data Source +MLS 379514 + +Assessor Parcel +Number (APN) +F-234-1 + +Site Size +12.5 Acres + +Sale Date +07/01/2019 + +Price +$275,000 + +Fabricated + +MLS 353852 + +F-124-0 + +15.4 Acres + +05/01/2019 + +$295,000 + +Fabricated + +MLS 389466 + +F-593-9 + +10.5 Acres + +01/15/2019 + +$195,250 + +Reconciliation of Site Value Recent sales for vacant and unimproved lots within the subject’s market area were analyzed to determine +the opinion of site value for the subject. Six sales were identified in the subject’s zip code that ranged in lot size from 7.3 acres to 21.2 acres +with sale prices ranging from $175,000 to $315,000. The comparable sales selected all have RA-10 zoning (same as subject), were the most +proximate sales that were similar in site size to the subject and sold for $19,000 to $22,000 per acre (rounded). The opinion of value for the +subject’s site was reconciled at $20,000 (rounded) per acre. diff --git a/chunks/txt/cfd11cc0693ec1f63f476aed72c2f9e808715807e3ad74931b644118099a8fd3.txt b/chunks/txt/cfd11cc0693ec1f63f476aed72c2f9e808715807e3ad74931b644118099a8fd3.txt new file mode 100644 index 0000000000000000000000000000000000000000..b0ec92f9f88cb4059e72278d6cac284d76a815df --- /dev/null +++ b/chunks/txt/cfd11cc0693ec1f63f476aed72c2f9e808715807e3ad74931b644118099a8fd3.txt @@ -0,0 +1,37 @@ +18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not +conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a +predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of +any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending +mortgage loan application). + +19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I +relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal +or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this +appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make +a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no +responsibility for it. + +20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that +ordered and will receive this appraisal report. + +Freddie Mac Form 465 March 2005 226 + +Page 5 of 6 + +Fannie Mae Form 1073 March 2005 + +2 + +Individual Condominium Unit Appraisal Report + +File # 3 + +4 4a + +21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the +borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other +secondary market participants; data collection or reporting services; professional appraisal organizations; any department, +agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to +obtain the appraiser’s or supervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal +report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public +relations, news, sales, or other media). diff --git a/chunks/txt/cfdaed8a72670a5fbd5828f16bbc49c1653b4fb879235daae56c5ff2504f342b.txt b/chunks/txt/cfdaed8a72670a5fbd5828f16bbc49c1653b4fb879235daae56c5ff2504f342b.txt new file mode 100644 index 0000000000000000000000000000000000000000..0eef672286bf91f66029b9b320be07e4e9109632 --- /dev/null +++ b/chunks/txt/cfdaed8a72670a5fbd5828f16bbc49c1653b4fb879235daae56c5ff2504f342b.txt @@ -0,0 +1,109 @@ +Noncontinuous Finished Area + +Quality Comment +The exterior of the homes +is a mix of Hardie plank and +stone. + +Subject has a walkout lower +level, concrete covered with +Hardie plank. + +Condition Status +New or Like New + +New or Like New + +Roof is covered with a 50 year +composition roof. + +New or Like New + +Windows are metal clad with +paintable wood interior. + +New or Like New + +Condition Comment + +The table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit + +Finish +Finished + +Total Area +360 Sq. Ft. + +Room Summary +1 - Family Room + +Check #A + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Centralized + +Detail +Natural Gas + +Core Heating System Below Grade + +Other Mechanical Systems + +Sump Pump + +Yes No +  + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +None + +Dwelling Exterior Commentary + +The subject is a new construction home with no damages, defects or deficiencies and is built using green materials. + +Dwelling Exterior Exhibits + +Noncontinuous Area - Bonus Room + +Dwelling Rear + +This is where the Noncontinuous Area photo would display. + +This is where the Dwelling Rear photo would display. + +Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2) + +Uniform Residential Appraisal Report + +Page 7 of 24 +Page 7 of 24 + +Unit Interior + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +1,552 Sq. Ft. +0 Sq. Ft. +1,232 Sq. Ft. +320 Sq. Ft. +Assessor Record +Builder or Developer +MLS +Real Estate Agent +Three-Dimensional Scan diff --git a/chunks/txt/cfdf0cf53ee9ec4279e7f8f8d3ed40c67453e5d7b4b887502547adf272072b67.txt b/chunks/txt/cfdf0cf53ee9ec4279e7f8f8d3ed40c67453e5d7b4b887502547adf272072b67.txt new file mode 100644 index 0000000000000000000000000000000000000000..972d4b7b91ec94009517b0ab82b0b6b476a92eec --- /dev/null +++ b/chunks/txt/cfdf0cf53ee9ec4279e7f8f8d3ed40c67453e5d7b4b887502547adf272072b67.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/information-resources-management-strategic-plan" +date_accessed: "2026-01-27T17:48:01.738Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/cfebf4da85e61d0f00362e692e47d5a4959a22b12ce6437dc2964064d5c18d84.txt b/chunks/txt/cfebf4da85e61d0f00362e692e47d5a4959a22b12ce6437dc2964064d5c18d84.txt new file mode 100644 index 0000000000000000000000000000000000000000..01ddd311daf5e7933b8222505c5546b95c55338e --- /dev/null +++ b/chunks/txt/cfebf4da85e61d0f00362e692e47d5a4959a22b12ce6437dc2964064d5c18d84.txt @@ -0,0 +1,52 @@ +Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications. +1. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. I +performed an appraisal on April 13, 2018. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 29 of 29 +Page 29 of 29 + +Certifications (continued) + +Signature + +Appraiser +Tom Appraiser +Tom Appraiser + +Supervisory Appraiser +Arthur Appraiser +Arthur Appraiser + +10/12/2019 + +Date of Signature and Report + +10/12/2019 + +Date of Signature and Report + +Level +ID +State +Expires + +Level +ID +State +Expires + +Trainee Appraiser +1111TRHI +HI +12/31/2021 + +Certified General +987654HI +HI +12/31/2021 + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/cff699315b5224ecece371cae6390d55b9b6768187c1ffabd0a534afa4575a54.txt b/chunks/txt/cff699315b5224ecece371cae6390d55b9b6768187c1ffabd0a534afa4575a54.txt new file mode 100644 index 0000000000000000000000000000000000000000..319aa822d766953bd214f6b6fa09450c1d3ae6a9 --- /dev/null +++ b/chunks/txt/cff699315b5224ecece371cae6390d55b9b6768187c1ffabd0a534afa4575a54.txt @@ -0,0 +1,94 @@ +Project Common +Elements Lease +Terms Description + +A free-form text field used to describe the +project management leasing status of +project common elements. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElements +LeaseTermsDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +PROJECT +INFORMATION + +PUD +Describe common elements and +recreational facilities + +Project Common +Elements +Description + +A free-form text field used to describe +project common elements and recreation +facilities. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElements +Description + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +50 + +50 + +String + +String + +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. The print reference +placement on Appendix C is not required and is for illustrative purposes only. + +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. + +HEADER + +BLANK + +HEADER + +File # + +HEADER + +BLANK + +Report Title +Description + +Appraiser File +Identifier + +Appraiser +Additional File +Identifier Name + +This is an identifier or number used by +the appraiser to identify their reports. It is +generally specific to the appraiser. +Secondary report identifier used by the +appraiser to identify appraisal reports. +This field may carry the FHA number, +case number, loan number or some other +identifier. diff --git a/chunks/txt/cffb42e3771db284a296d49e3af1ec6879892023fd2b4f2f0710ae0d8e5561e4.txt b/chunks/txt/cffb42e3771db284a296d49e3af1ec6879892023fd2b4f2f0710ae0d8e5561e4.txt new file mode 100644 index 0000000000000000000000000000000000000000..483bb288eea73d890ddaeace63e00293a17bfe3b --- /dev/null +++ b/chunks/txt/cffb42e3771db284a296d49e3af1ec6879892023fd2b4f2f0710ae0d8e5561e4.txt @@ -0,0 +1,21 @@ +- [Home](/) + - [Technology](/tools-learning) + +# Uniform Appraisal Dataset + +- [Business Resources](#business-resources) + - [Technical Resources](#technical-resources) + - [Announcements](#announcements) + ## **Now Available: Industry Training for the New UAD and URAR** + +New UAD training to educate all stakeholders about using the dynamic appraisal reports and updated data set is now available. This training is available for anyone to take, including appraisers, but is of particular value to lenders and software providers and will provide the requisite knowledge and skills to use, implement and transition to the new URAR. Additionally, appraiser-specific training that’s eligible for continuing education training will be available soon. + +[Access the Training for the new uad and urar](https://learn.sf.freddiemac.com/ces/enrol/index.php?id=795) + +### UAD 3.6 and Forms Redesign Broad Production Period Begins + +The UAD 3.6 and Forms Redesign Broad Production period is now open as of January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP® ). [Read the full announcement](/docs/pdf/announcement_uad_january-2026.pdf). + +### UAD Inspection and Reporting Tips + +The UAD 3.6 and Forms Redesign team has created a new [UAD Inspection and Reporting Tips](/docs/pdf/uad-inspection-and-reporting-tips.pdf) resource that highlights notable differences between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6). Appraisers can use it when completing assignments using UAD 3.6. [Read the full announcement](/docs/pdf/joint-gse-announcement-inspection-and-reporting-tips.pdf). diff --git a/chunks/txt/d007e7f67dcce26ffcf64c7980c8cb6540904dee5db3d1f3f6a4610b7a96ce3d.txt b/chunks/txt/d007e7f67dcce26ffcf64c7980c8cb6540904dee5db3d1f3f6a4610b7a96ce3d.txt new file mode 100644 index 0000000000000000000000000000000000000000..6f140e70d77c520a530ef7afe07e9b9b64cc6952 --- /dev/null +++ b/chunks/txt/d007e7f67dcce26ffcf64c7980c8cb6540904dee5db3d1f3f6a4610b7a96ce3d.txt @@ -0,0 +1,89 @@ +The subject property is under contract and pending sale for $765,000. + +Key Characteristics + +• Parties associated with this transaction: + +Lender (Client) + +• +• AMC +• Appraiser + +• Defects, Damages, Deficiencies: None +• Subject Property + +• Property Rights Appraised: Leasehold +• Attachment Type: Detached + +• Site Utilities + +• Water and Sanitary Sewer are public +• Electric is private (solar panels) with connection to public electrical lines maintained + +• Energy Efficient and Green Features + +▪ Renewable Energy Component: Leased Solar Panels +▪ Green Energy Certification: RESNET (HERS) and DOE (Home Energy Score) + +• Accessory Dwelling Unit on below grade level +• Prior Sale and Transfer History: Comp 2 was a deed transfer + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. + +This cover section, including Introduction and Key Characteristics, + +is not part of the URAR. + +Uniform Residential Appraisal Report + +456 SOMETHING RD, SOMEWHERE, VA 12345 + +SUMMARY + +Opinion of Market Value + +$775,000 + +Market Value Condition + +As Is + +Effective Date of Appraisal +Assignment Reason +Borrower Name + +Current Owner of Public Record +Contract Price +Listing Status + +09/08/2019 +Purchase +Bob Borrower +Betty Borrower +Jane Doe +$765,000 +Pending + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +Agatha Appraiser + +Property Description + +Construction Method +Attachment Type + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Site Built +Detached diff --git a/chunks/txt/d00a24ad09f77863070779a2ea7f62670ef04b5a1e230f09d7548ceea7922103.txt b/chunks/txt/d00a24ad09f77863070779a2ea7f62670ef04b5a1e230f09d7548ceea7922103.txt new file mode 100644 index 0000000000000000000000000000000000000000..f436b3045977c577a08ae55883625cd82806354f --- /dev/null +++ b/chunks/txt/d00a24ad09f77863070779a2ea7f62670ef04b5a1e230f09d7548ceea7922103.txt @@ -0,0 +1,30 @@ +Page 4 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +addition to the GSEs’ appraisal-related policies and guidelines, which are subject to change and are +identified in Fannie Mae’s Selling Guide and Freddie Mac’s Single-Family Seller/Servicer Guide. + +It is important to Fannie Mae and Freddie Mac that appraisals are conducted and communicated +accurately and effectively. The UAD was developed with that in mind and none of the UAD requirements +inhibit or limit appraisers’ responsibility to comply with the Uniform Standards of Professional Appraisal +Practice (USPAP). As with all appraisal report forms, there is no limitation on appraisers’ ability to +present additional information in the appraisal report or an addendum to the appraisal report form. +Appraisal reports must include any and all information necessary to accurately and completely describe +the subject property. Conforming to the UAD does not replace appraisers’ development and reporting +responsibilities as required by the Uniform Standards of Professional Appraisal Practice (USPAP). + +The UAD will apply to the following most commonly used residential appraisal report forms (Fannie Mae +/ Freddie Mac form numbers), which represent the vast majority of appraisals supporting loans delivered to +the GSEs: + +Appraisal Form Name + +Uniform Residential Appraisal Report diff --git a/chunks/txt/d0111444eda4fd556fe8f8957b47204d47b849e65ae281c3e802a82ef31d1391.txt b/chunks/txt/d0111444eda4fd556fe8f8957b47204d47b849e65ae281c3e802a82ef31d1391.txt new file mode 100644 index 0000000000000000000000000000000000000000..c305efec0e45e72b405aba8fa1b7432ffee6a370 --- /dev/null +++ b/chunks/txt/d0111444eda4fd556fe8f8957b47204d47b849e65ae281c3e802a82ef31d1391.txt @@ -0,0 +1,43 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Programs](/programs) + - Neighborhood Stabilization Initiative (NSI) + +Program + +# Neighborhood Stabilization Initiative (NSI) + +## Background + +The Neighborhood Stabilization Initiative (NSI) was designed to stabilize neighborhoods hardest hit by the housing downturn. It was jointly developed by the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac and includes strategies for disposing of the inventory of real estate owned (REO) properties held by Fannie Mae and Freddie Mac. Some particular markets have large concentrations of distressed and low-value REO properties as well as large volumes of loans that had been delinquent for more than one to two years that are likely to become REO. diff --git a/chunks/txt/d0177966f06816b02002206d161d3fe34b3687dfad21f159d90b0ec95a9ea361.txt b/chunks/txt/d0177966f06816b02002206d161d3fe34b3687dfad21f159d90b0ec95a9ea361.txt new file mode 100644 index 0000000000000000000000000000000000000000..ead71ec628fbcb1b8f205121a63a15ed4900310f --- /dev/null +++ b/chunks/txt/d0177966f06816b02002206d161d3fe34b3687dfad21f159d90b0ec95a9ea361.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/fair-lending" +date_accessed: "2026-01-27T17:48:03.539Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/d02c463b13c47647cb7c97c661f8da1b0911a03db74750a8ab4cf0959f95a10a.txt b/chunks/txt/d02c463b13c47647cb7c97c661f8da1b0911a03db74750a8ab4cf0959f95a10a.txt new file mode 100644 index 0000000000000000000000000000000000000000..023d49305af1d40918f1d3bdbfdaffad202f72a9 --- /dev/null +++ b/chunks/txt/d02c463b13c47647cb7c97c661f8da1b0911a03db74750a8ab4cf0959f95a10a.txt @@ -0,0 +1,64 @@ +Uniform Closing Dataset (UCD) Specification v2.0 + +Numbered Closing Disclosures + +Document Version 2.0 +June 30, 2025 + +In support of the Integrated Mortgage Closing Disclosure under the Real Estate Settlement Procedures Act +(Regulation X) And the Truth In Lending Act (Regulation Z) + +Issued by the Consumer Financial Protection Bureau (CFPB) + +Published in the Federal Register on December 31, 2013 +and all subsequent amendments through 86 FR 80228 (August 8, 2021) + +June 2025 + +©2025 ▪ Fannie Mae/Freddie Mac Commercial Confidential Information ▪ FOIA Exemption Requested + +1 + +Uniform Closing Dataset v2.0 + +Numbered Closing Disclosures + +Date + +Version No. + +Descriptions + +Revision Log + +June 30, 2025 + +2.0 + +• Removed End Notes. +• Simplified formatting, including removing gray line numbers. +• Added annotations to some CD fields to clarify data mapping. +• Removed boilerplate for descriptions of differences in Section 4.0 for + +line items for which only a “NO” answer is expected, as data +supporting it is not expected in the UCD file. + +• Added the following Form Field IDs omitted in error: 11.5.2, 11.5.3, + +11.5.4, 12.6.2, 12.6.3, 12.7.2, 12.7.3, 12.7.4, 20.1.2, 20.3.1 +• Removed 12.6.1 and 12.7.1 because they do not collect data. +• Align with UCD v2.0 Specification Update Initiative’s focus on UCD +data and removed Form Field IDs no longer in UCD v2.0 (Sections +14.0, 15.0, 16.0, 19.0 and 24.0) + +May 1, 2023 + +1.7 + +• Removed references in sections 5.6.3 – 5.6.5 and Section 18.2.1 and + +18.3.1. + +• Edited Section D to accommodate seller data requirements. +• Added Cross Reference for 25.1/11.4 (Liabilities) +• Deleted any rows in Cross-Reference table that referenced section diff --git a/chunks/txt/d03940a037c46f7ac629e7a720609daeb82b3e0470b154a4bc0d0af221cf88a7.txt b/chunks/txt/d03940a037c46f7ac629e7a720609daeb82b3e0470b154a4bc0d0af221cf88a7.txt new file mode 100644 index 0000000000000000000000000000000000000000..2cdc40f98564454cae16cb31e8dbc36ac8d66945 --- /dev/null +++ b/chunks/txt/d03940a037c46f7ac629e7a720609daeb82b3e0470b154a4bc0d0af221cf88a7.txt @@ -0,0 +1,147 @@ +Exhibit 3: Requirements – Abbreviations Used in Data Standardization Text + +Abbreviation + +A +ac +AdjPrk +AdjPwr +ArmLth +AT +B +ba +br +BsyRd +c +Cash +Comm +Conv + +Full +Name + +Adverse +Acres +Adjacent to Park +Adjacent to Power Lines +Arms Length Sale +Attached Structure +Beneficial +Bathroom(s) +Bedroom +Busy Road +Contracted Date +Cash +Commercial Influence +Conventional + +Appropriate Fields + +Location & View +Area, Site +Location +Location +Sale or Financing Concessions +Design (Style) +Location & View +Basement & Finished Rooms Below Grade +Basement & Finished Rooms Below Grade +Location +Date of Sale/Time +Sale or Financing Concessions +Location +Sale or Financing Concessions + +Page 67 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +cp +CrtOrd +CtySky +CtyStr +cv +DOM +DT +dw +e +Estate +FHA +g +ga +gbi +gd +GlfCse +Glfvw +GR +HR +in +Ind +Listing +Lndfl +LtdSght +MR +Mtn +N +NonArm +o +O +op +Prk + +Carport +Court Ordered Sale +City View Skyline View +City Street View +Covered +Days On Market +Detached Structure +Driveway +Expiration Date +Estate Sale +Federal Housing Administration +Garage +Attached Garage +Built-in Garage +Detached Garage +Golf Course +Golf Course View +Garden +High Rise +Interior Only Stairs +Industrial +Listing +Landfill +Limited Sight +Mid Rise +Mountain View +Neutral +Non-Arm’s Length Sale +Other +Other +Open +Park View + +Abbreviation + +Pstrl +PubTrn +PwrLn +Relo +REO +Res + +Full Name +Pastoral View +Public Transportation +Power Lines +Relocation Sale +REO Sale +Residential diff --git a/chunks/txt/d03c9a97eef2f07bc928e25273355bc7aa1a13ac9246a10670d6c2bd2f369732.txt b/chunks/txt/d03c9a97eef2f07bc928e25273355bc7aa1a13ac9246a10670d6c2bd2f369732.txt new file mode 100644 index 0000000000000000000000000000000000000000..b1a90159af956bf9147ed6a72d0e5aa2590199cd --- /dev/null +++ b/chunks/txt/d03c9a97eef2f07bc928e25273355bc7aa1a13ac9246a10670d6c2bd2f369732.txt @@ -0,0 +1,50 @@ +For questions or support, please contact acquisitions_loan_delivery@fanniemae.com. + +Q1 2025 +**UPDATED** + +MBS Enhancements + +**Date updated from October 21, 2024 to Q1 2025** + +© 2023 Fannie Mae Page 2 of 10 + +Effective +Date + +Impacted Area + +Description + +Loan Delivery will introduce enhancements that provide additional transparency in the MBS loan delivery process and a self- +service model to handle exceptions real-time as they occur. These updates relate to the exceptions which occur post- +submission and may have previously required manual resolution with Fannie Mae’s Acquisitions Operations team. + +Lenders will be able to cancel the request for certification on MBS loans after submission to bring the loan back to a +Draft/Unsubmitted status for editing. No changes are required to current processes; we are giving lenders an additional +option to correct data on a submitted MBS loan. Lenders may continue to delete the loan or the pool when data corrections +are required. + +There are no changes to the import and loan/pool submission process in Loan Delivery. More details, including a job aid, will +be provided as we approach the rollout date. + +In Case You Missed It + +Effective +Date + +Impacted Area Description + +Jan 19, 2024 + +Energy Star Loans + +Jan 29, 2024 + +Export file +Enhancement + +Effective January 19, 2024, Loan Delivery will automatically populate Special Feature Code (SFC) 784 ENERGY STAR Green +Building Certification for Green Bonds on Whole Loans that Fannie Mae identifies as securing a property with an eligible +ENERGY STAR green building certification. If SFC 784 is auto-populated on the loan, warning edit 2736 will fire notifying +sellers of the change. No action is required by sellers. diff --git a/chunks/txt/d04e7911aca1ef589ae69e1da7ef6eabd99e340edaafe3bac30ca2cec74041eb.txt b/chunks/txt/d04e7911aca1ef589ae69e1da7ef6eabd99e340edaafe3bac30ca2cec74041eb.txt new file mode 100644 index 0000000000000000000000000000000000000000..05d9786a276f44439fd2306c65db6a8c19686092 --- /dev/null +++ b/chunks/txt/d04e7911aca1ef589ae69e1da7ef6eabd99e340edaafe3bac30ca2cec74041eb.txt @@ -0,0 +1,73 @@ +Payee + +Notes: See Fannie Mae’s Implementation Guide for delivery requirements. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 54 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +Example IV-20. PARTY Container for PartyRoleType = Servicer + +PartyRoleIdentifier + + + +PartyRoleType + +Servicer + +Notes: See Fannie Mae’s Implementation Guide for delivery requirements. + +b. Possible Instances of PARTY in a Loan Delivery Data Set—DEAL_SET Level + +The following examples illustrate how to send information about the parties to the +pool transaction. + +Example IV-21. PARTY Container for PartyRoleType = DocumentCustodian + +PartyRoleIdentifier + + + +PartyRoleType + +DocumentCustodian + +Notes: See Fannie Mae’s Implementation Guide for delivery requirements. + +Example IV-22. PARTY Container for PartyRoleType = LoanSeller + +PartyRoleIdentifier + + + +PartyRoleType + +LoanSeller + +Notes: See Fannie Mae’s Implementation Guide for delivery requirements. + +Example IV-23. PARTY Container for PartyRoleType = Servicer + +PartyRoleIdentifier + + + +PartyRoleType + +Servicer + +Notes: See Fannie Mae’s Implementation Guide for delivery requirements. + +c. Possible Instances of PARTY in a Loan Delivery Data Set—DEAL_SETS Level +The following example illustrates how to send information identifying the system +preparing the XML schema file delivered to the GSE. This is only used for file +submissions. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide diff --git a/chunks/txt/d057e387b5cb01eef4b5f9ac4957c175c682cf37d0ca3e11495d9e25e54ad23b.txt b/chunks/txt/d057e387b5cb01eef4b5f9ac4957c175c682cf37d0ca3e11495d9e25e54ad23b.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed738e2ea5d8baac02d313e3c37c15854504deca --- /dev/null +++ b/chunks/txt/d057e387b5cb01eef4b5f9ac4957c175c682cf37d0ca3e11495d9e25e54ad23b.txt @@ -0,0 +1,98 @@ +Supported Attribute Enumerations + +0700.0131 RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_PROPERTY_UNIT_AREA + +0700.0132 RELATIONSHIP + +@xlink:from + +DATA_SOURCE_n + +0700.0133 RELATIONSHIP + +@xlink:to + +PROPERTY_UNIT_AREA_n + +0700.0150 + +PROPERTY_UNIT_AREA @xlink:label + +PROPERTY_UNIT_AREA_n + +0700.0124 DATA_SOURCE + +@xlink:label + +DATA_SOURCE_n + +Data source to ADU legally rentable indicator + +Provide the relationship that joins the AccessoryDwellingUnitLegallyRentableIndicator data point (where the ValuationUseType = +"SubjectProperty") to the data source used to determine the ADU is legally rentable. + +Unique ID + +Parent Container + +MISMO Attribute Name + +Supported Attribute Enumerations + +0700.0134 RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_AccessoryDwellingUnit +LegallyRentableIndicator + +0700.0135 RELATIONSHIP + +@xlink:from + +DATA_SOURCE_n + +0700.0136 RELATIONSHIP + +@xlink:to + +AccessoryDwellingUnitLegallyRentableIndicator_n + +0700.0098 + +PROPERTY_UNIT_DETAIL @xlink:label + +AccessoryDwellingUnitLegallyRentableIndicator_n + +0700.0124 DATA_SOURCE + +@xlink:label + +DATA_SOURCE_n + +Defect to Property Unit arcrole + +Provide the relationship that joins the DEFECT to the applicable instance of PROPERTY_UNIT. +One RELATIONSHIP container is required for each defect identified in the interior of the unit. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 199 + +Unique ID + +Parent Container MISMO Attribute Name + +Supported Attribute Enumerations + +3900.0154 + +RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf PROPERTY_UNIT diff --git a/chunks/txt/d06d9d7986c113e6ac7f26725533d1ab545eaaab35a0f56b288ed7ee8c86c5e6.txt b/chunks/txt/d06d9d7986c113e6ac7f26725533d1ab545eaaab35a0f56b288ed7ee8c86c5e6.txt new file mode 100644 index 0000000000000000000000000000000000000000..e52127f5e32463ddf9babdad00dae5c8b5e06074 --- /dev/null +++ b/chunks/txt/d06d9d7986c113e6ac7f26725533d1ab545eaaab35a0f56b288ed7ee8c86c5e6.txt @@ -0,0 +1,24 @@ +December 19, 2024 + +## [The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals - December 2024](/research/papers/2025-2027-enterprise-single-family-housing-goals-12-2024) + +In establishing benchmarks for the single-family home purchase and refinance goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the affordable mortgage market. This FHFA technical report documents the statistical... + - Staff Working Papers + +November 13, 2024 + +## [Working Paper 24-08: Banking on Buffers: Balance Sheet Responses to Household Demand, Macroeconomic Conditions, and Monetary Policy](/research/papers/wp2408) + +This paper examines how banks adapt to tightening regulations, evolving macroeconomic conditions, and changes in household demand. Unlike most analyses of banking regulation, we develop a general equilibrium model in which banks both borrow from and lend to households, allowing us to assess the... + - Staff Working Papers + +November 4, 2024 + +## [Working Paper 24-06: Home Purchase Appraisals in Minority Neighborhoods](/research/papers/wp2406) + +We study how the share of African American residents in a neighborhood impacts appraisers’ valuation decisions for home purchases. Controlling for many appraisal inputs, including the appraiser themselves, we find that appraisals below the contract price are at least 23 percent more likely in... + - Briefs, Notes & White Papers + +August 22, 2024 + +## [The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals](/research/papers/2025-2027-enterprise-single-family-housing-goals) diff --git a/chunks/txt/d08fa297737c39310c6f0c9f3ff331458a3c9b201668533c6825272431976d89.txt b/chunks/txt/d08fa297737c39310c6f0c9f3ff331458a3c9b201668533c6825272431976d89.txt new file mode 100644 index 0000000000000000000000000000000000000000..3c22795029e1241058d1a5759b6f60a1a2009dfd --- /dev/null +++ b/chunks/txt/d08fa297737c39310c6f0c9f3ff331458a3c9b201668533c6825272431976d89.txt @@ -0,0 +1,152 @@ +Refer to Appendix E for PDF Rendering and Parsing Instructions. +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be +included in this field: +· USPS two-letter state or territory representation +This data is referenced more than once on the form (fields 1-8, 2-12b, 6-20b), +and must be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +R + +R + +R + +CR + +CR + +CR + +CR + +T + +CR + +R + +R + +R + +CR + +CR + +CR + +CR + +T + +CR + +R + +R + +R + +CR + +CR + +CR + +CR + +T + +CR + +R + +R + +R + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 77 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +492 + +6 + +20c + +APPRAISER +CERTIFICATION + +Address of Property +Appraised +City,State,Zip + +Property Postal Code + +The postal code (zip code in the US) +of the subject property. Zip code may +be either 5 or 9 digits. + +/VALUATION_RESPONSE/PROPERTY/@_P +ostalCode + +10 + +String + +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be +included in this field: +· 5-digit ZIP Code or ZIP+4 Code (with or without the dash) +This data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c) +and must be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. +UAD Requirement – Refer to Appendix D Reconciliation Section diff --git a/chunks/txt/d09b14e1698171492c9b73c16c7c05fb190301f16e64d3a54f7a79748e3c47b3.txt b/chunks/txt/d09b14e1698171492c9b73c16c7c05fb190301f16e64d3a54f7a79748e3c47b3.txt new file mode 100644 index 0000000000000000000000000000000000000000..74f76d1f16a33898abbbb61372a4dc776b9ee886 --- /dev/null +++ b/chunks/txt/d09b14e1698171492c9b73c16c7c05fb190301f16e64d3a54f7a79748e3c47b3.txt @@ -0,0 +1,76 @@ +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName + +50 + +String + +Appraiser +Additional File +Identifier + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName + +50 + +String + +50 + +50 + +50 + +String + +String + +String + +50 + +50 + +50 + +String + +String + +String + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms +vendor software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms +vendor software. diff --git a/chunks/txt/d0a9e48078add18e214ea1e17e8ffeac7447088e2696f5b0877e8f16d86cb719.txt b/chunks/txt/d0a9e48078add18e214ea1e17e8ffeac7447088e2696f5b0877e8f16d86cb719.txt new file mode 100644 index 0000000000000000000000000000000000000000..dd4004ef85c7bb390c0936ca9c8672b25361d068 --- /dev/null +++ b/chunks/txt/d0a9e48078add18e214ea1e17e8ffeac7447088e2696f5b0877e8f16d86cb719.txt @@ -0,0 +1,48 @@ +The lender must also ensure the appraiser has access to appropriate data sources to render an opinion of value for the +manufactured home. Lenders must establish policies and procedures to ensure that qualified individuals are being selected in +accordance with Fannie Mae requirements as well as the Appraiser Independence Requirements. + +Manufactured Housing Appraisal Requirements and Standards + +The list below provides requirements and standards for manufactured housing appraisals. + +• + +For purchase money mortgages, the lender must provide the appraiser with + +o a complete copy of the executed contract for sale of the manufactured home and land; or +o a complete copy of the executed contract for both, if the manufactured home and land are purchased + +separately; and + +o a copy of the manufacturer’s invoice if the manufactured home is new. + +The appraiser must analyze the contract(s) and the manufacturer’s invoice for new manufactured homes, and provide a + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 108 of 166 + +UAD 3.6 Policy + +summary in the appraisal report. + +• + +The appraiser must identify the construction method as manufactured home and include the foundation type. +Identifying the property as a manufactured home will help to ensure the appraiser accurately reports its characteristics +including, but not limited to, the: + +trade or model number, +year of manufacture, +serial number, + +o manufacturer’s name, +o +o +o +o Certification number(s) from the HUD Data Plate or HUD Certification Label(s), +o +o detailed and supported cost approach, +o opinion of the market value of the site, and +o property’s conformity to the market. diff --git a/chunks/txt/d0b077799113766047d022ad148ac694dfefb478e0b74c06d26dd57384a8b93d.txt b/chunks/txt/d0b077799113766047d022ad148ac694dfefb478e0b74c06d26dd57384a8b93d.txt new file mode 100644 index 0000000000000000000000000000000000000000..9922d1e1fc42932f58ecb5c935eb50ab105a3455 --- /dev/null +++ b/chunks/txt/d0b077799113766047d022ad148ac694dfefb478e0b74c06d26dd57384a8b93d.txt @@ -0,0 +1,3 @@ +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 177 + +Unit Interior – ADU ................................................................................................................................................................................................................... 180 diff --git a/chunks/txt/d0c8ca05e8df946aec53fd04a720cca12a447f7c9146f2dffd9ce833015b15dc.txt b/chunks/txt/d0c8ca05e8df946aec53fd04a720cca12a447f7c9146f2dffd9ce833015b15dc.txt new file mode 100644 index 0000000000000000000000000000000000000000..3701801b4867ddb0ec7957c6be96f345b0a1858e --- /dev/null +++ b/chunks/txt/d0c8ca05e8df946aec53fd04a720cca12a447f7c9146f2dffd9ce833015b15dc.txt @@ -0,0 +1,88 @@ +Figure 101. Rendering Assumed Loan Amount on the CD Loan Terms Table. + +4.0 Loan Terms + +Can this amount increase after closing? + +4.1 Loan Amount + +4.1.1 $79,000 + +4.1.2 No + +4.1.3 + +Figure 102. Rendering AssumedLoanAmount on the CD Summaries of Transactions Table. + +Summaries of Transactions + +BORROWER’S TRANSACTION + +(11.0 – 13.0) + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +12.2 Loan Amount + +12.1.1 + +UCD v2.0 Implementation Guide + +- 124 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 102. Rendering AssumedLoanAmount on the CD Summaries of Transactions Table. + +Summaries of Transactions + +BORROWER’S TRANSACTION + +(11.0 – 13.0) + +12.3 Existing Loan(s) Assumed or Taken Subject to + +12.2.1 + +$79,000.00 + +Table 64. UCD v2.0 Spec Excerpt – AssumedLoanAmount Data Requirements. + +UCD UID MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/ +LOANS/LOAN/TERMS_OF_LOAN + +10.033 + +AssumedLoanAmount + +79000.00 + +Mutually exclusive with NoteAmount and +FullyIndexedInitialPrincipalAndInterestPayme +ntAmount. + +b. Note Amount + +For either loan purchases or refinances and fixed or adjustable rates when the index rate is known, NoteAmount should +be used. It is rendered in the “Loan Terms” table exactly as if it were AssumedLoanAmount, but in “Summaries of +Transactions”, it is on a different line number. + +Figure 103. Rendering NoteAmount on the CD. + +Summaries of Transactions + +(11.0 – 13.0) + +BORROWER’S TRANSACTION + +12.0 L. Paid Already by or on Behalf of Borrower at Closing diff --git a/chunks/txt/d0d904c0126a938fa49d2c7d345ee6e586b2d3922591b080f07cee0c499e664f.txt b/chunks/txt/d0d904c0126a938fa49d2c7d345ee6e586b2d3922591b080f07cee0c499e664f.txt new file mode 100644 index 0000000000000000000000000000000000000000..b5c994bdfed1093263e942a46891c1aa3fb5a0f1 --- /dev/null +++ b/chunks/txt/d0d904c0126a938fa49d2c7d345ee6e586b2d3922591b080f07cee0c499e664f.txt @@ -0,0 +1,79 @@ +Level 1 - Bath - Full + +Level 1 - Kitchen + +This is where the Full Bathroom photo would display. + +This is where the Kitchen photo would display. + +Level 1 - Living Room + +Apparent Defects, Damages, Deficiencies - Appliances - +Kitchen + +This is where the Living Room photo would display. + +This is where the Appliance Defect photo would display. + +Apparent Defects, Damages, Deficiencies - Cabinetry - +Bathroom + +Apparent Defects, Damages, Deficiencies - Cabinetry - +Kitchen + +This is where the Bathroom Cabinet Defect photo would display. + +This is where the Kitchen Cabinet Defect photo would display. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 9 of 29 + +Unit Interior - Building 1 - Unit 1 (continued) + +Apparent Defects, Damages, Deficiencies - Doors - Bathroom + +Apparent Defects, Damages, Deficiencies - Walls and +Ceiling - Bathroom + +This is where the Bathroom Door Defect photo would display. + +This is where the Bathroom Wall Defect photo would display. + +Dwelling Exterior - Building 2 + +Subject Property Units in +Structure +Dwelling Style +Front Door Elevation +Year Built +Construction Method +Converted Area + +1 +Ranch +Up to 1 foot +1985 +Site Built +None + +This is where the Dwelling 2 Front photo would display. + +Quality and Condition + +Exterior Quality Rating + +Q5 + +Exterior Condition Rating + +C4 + +The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report + +Exterior Features + +Feature +Exterior Walls and Trim diff --git a/chunks/txt/d0dccdeb49a432a2f036f15a9dc3027f6940292404a328980937863707dd34af.txt b/chunks/txt/d0dccdeb49a432a2f036f15a9dc3027f6940292404a328980937863707dd34af.txt new file mode 100644 index 0000000000000000000000000000000000000000..c477535ae04952cf99211e4fb1e4ce55cb01f48c --- /dev/null +++ b/chunks/txt/d0dccdeb49a432a2f036f15a9dc3027f6940292404a328980937863707dd34af.txt @@ -0,0 +1,110 @@ +Reference published guidelines by the GSEs, government agencies, or other identified secondary market +participants for requirements regarding the level of inspection. + +Assignment Information: Contact Information – Scope of Inspection for Subject Property + +Report +Field ID + +2.021 +2.036 + +Report Label + +When to Include + +Exterior + +Always required for +the appraiser and +supervisory appraiser + +Interior + +2.022 +2.037 + +Always required for +the appraiser and +supervisory appraiser + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Exterior Inspection Method: The method by which the exterior inspection was +conducted by the appraiser or supervisory appraiser. +• +• +• + +Physical +Virtual +No Inspection + +Interior Inspection Method: The method by which the interior inspection was +conducted by the appraiser or supervisory appraiser. +• +• +• + +Physical +Virtual +No Inspection + +Appendix F-1: URAR Reference Guide + +Page 40 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +02 Assignment Information + +Report +Field ID + +2.023 +2.038 + +Assignment Information: Contact Information – Scope of Inspection for Subject Property + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Inspection Date Always required for + +mm/dd/yyyy + +Date that the subject property inspection was completed. + +the appraiser and +supervisory appraiser +for any physical or +virtual inspection that +was performed. + +Note: If both Exterior Inspection Method and Interior Inspection Method are No +Inspection, Inspection Date is not applicable and does not display. diff --git a/chunks/txt/d0ea9827d51a50bf6f4cbd3d28dbfc18362201d963e1aa7c8c3a0584d1cc0301.txt b/chunks/txt/d0ea9827d51a50bf6f4cbd3d28dbfc18362201d963e1aa7c8c3a0584d1cc0301.txt new file mode 100644 index 0000000000000000000000000000000000000000..06db3bd0ddb4f1a8a9ac2a324602f00986f367ea --- /dev/null +++ b/chunks/txt/d0ea9827d51a50bf6f4cbd3d28dbfc18362201d963e1aa7c8c3a0584d1cc0301.txt @@ -0,0 +1,102 @@ +separate row. (Figure 10 - 11) + +10.046 + +Quality Comment + +0700.0106 + +ImprovementComponentQualityDescription + +Display when ImprovementComponentType = "Flooring" AND Exists + +10.047 + +Condition Status + +0700.0104 + +ImprovementComponentConditionStatusType + +Display when ImprovementComponentType = "Flooring" + +10.048 + +Condition Comment + +0700.0111 + +ImprovementComponentConditionDescription + +Display when ImprovementComponentType = "Flooring" AND Exists + +10.049 + +Overall Update +Status for Flooring + +0700.0122 OverallFlooringUpdateStatusType + +Display when ImprovementComponentType = "Flooring" + +10.044 Walls and Ceiling + +0700.0046 + +ImprovementComponentType = +”WallsAndCeiling” + +Always displays + +10.045 + +Detail + +0700.0050 ApproximateCeilingHeightType + +0700.0108 CeilingStyleType + +Display when ImprovementComponentType = "WallsAndCeiling" +Display all values of ApproximateCeilingHeightType separated by a “|” followed by all +values of CeilingStyleType separated by a “|” +Example: 8 Ft. | 9 Ft. | 2 or more stories | Cathedral | Coffered | Flat + +10.046 + +Quality Comment + +0700.0107 + +ImprovementComponentQualityDescription + +Display when ImprovementComponentType = "WallsAndCeiling" AND Exists + +10.047 + +Condition Status + +0700.0045 + +ImprovementComponentConditionStatusType + +Display when ImprovementComponentType = "WallsAndCeiling" + +10.048 + +Condition Comment + +0700.0112 + +ImprovementComponentConditionDescription + +Display when ImprovementComponentType = "WallsAndCeiling" AND Exists + +10.044 + +Other (Describe) + +0700.0046 + +ImprovementComponentType = “Other” + +When ImprovementComponentType = "Other" the description displays diff --git a/chunks/txt/d0ee699b71dee8ab2f81bb9d47a790fb0434d62415aeb83ebe2ee1410000918d.txt b/chunks/txt/d0ee699b71dee8ab2f81bb9d47a790fb0434d62415aeb83ebe2ee1410000918d.txt new file mode 100644 index 0000000000000000000000000000000000000000..e48c9a656136c41bba0847b5b3eac9ea5635973d --- /dev/null +++ b/chunks/txt/d0ee699b71dee8ab2f81bb9d47a790fb0434d62415aeb83ebe2ee1410000918d.txt @@ -0,0 +1,184 @@ +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Sale Price + +Transfer Terms + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +All Rights Included + +Rights Not Included + +Same Builder as Subject + +Site + +Site Size + +Neighborhood Name + +Hazard Zone + +Site Influence (Location) + +Apparent Environmental +Conditions + +View | Range + +Uniform Residential Appraisal Report + +Page 19 of 30 +Page 19 of 30 + +Sales Comparison Approach + +General Information + +Property Address + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +123 Anywhere St +Some City, VA 20141 + +345 Somewhere Ave +Some City, VA 20141 + +222 Canal Blvd +Anywhere City, VA 20141 + +98761 State Rd 3 +Anywhere City, VA 20141 + +This is where the +Subject Property photo +would display. + +This is where the +Comparable 1 photo +would display. + +This is where the +Comparable 2 photo +would display. + +This is where the +Comparable 3 photo +would display. + +MLS 87598763 | +Assessor Record + +3.71 Miles SE + +$440,000 + +Settled Sale + +$435,000 + +Typically +Motivated + +$12,000 + +$(6,000) + +$0 + +$0 + +06/01/2019 + +08/05/2019 + +65 + +Detached + +Fee Simple + +No + +— + +— + +— + +— + +— + +Detached + +Fee Simple + +No + +MLS 87598763 | +Assessor Record + +6.32 Miles NE + +$510,000 + +Settled Sale + +$499,900 + +MLS 65478326 | +Assessor Record + +9.09 Miles SE + +$345,000 + +Settled Sale + +$345,000 + +Short Sale + +$35,000 + +Typically +Motivated + +No + +06/05/2019 + +07/04/2019 + +29 + +Detached + +Fee Simple diff --git a/chunks/txt/d0f5d41d3e801fb8644ea1e0590ed240839f82c90625b2c29004ec8e9a53aa1c.txt b/chunks/txt/d0f5d41d3e801fb8644ea1e0590ed240839f82c90625b2c29004ec8e9a53aa1c.txt new file mode 100644 index 0000000000000000000000000000000000000000..0b4be8bc2e845163bcf1a612e50bbcff8de49313 --- /dev/null +++ b/chunks/txt/d0f5d41d3e801fb8644ea1e0590ed240839f82c90625b2c29004ec8e9a53aa1c.txt @@ -0,0 +1,22 @@ +Fannie Mae and Freddie Mac +Uniform Mortgage Data Program + +Specification Update Impact Memo Version 2.1 + +Date: December 20, 2022 + +Fannie Mae Confidential + +© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners. + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by +Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency. +. + +Contents + +Revision History ....................................................................................................................................... 3 + +Summary of Changes .............................................................................................................................. 4 + +Purpose ................................................................................................................................................... 5 diff --git a/chunks/txt/d10c3529058726339d758f96545707bbdb99110a13b0f4962cb6bafe4b38e429.txt b/chunks/txt/d10c3529058726339d758f96545707bbdb99110a13b0f4962cb6bafe4b38e429.txt new file mode 100644 index 0000000000000000000000000000000000000000..505a48c03487562a0d4482b700f17dec1690b98e --- /dev/null +++ b/chunks/txt/d10c3529058726339d758f96545707bbdb99110a13b0f4962cb6bafe4b38e429.txt @@ -0,0 +1,68 @@ +17.3 Late Payment – the “gse:” namespace prefix indicates that the late charge containers and data points are +extensions to MISMO v3.3. The term “@xmlns:gse = http://www.datamodelextension.org” must be included in +the declarations at the top of the XML file (see Table 5. UCD File Handling Data). + +17.4 Negative Amortization – The same data points are used to populate 4.1.3 Loan Amount Increase Terms +and are provided only once in the XML file. + +17.6 Security Interest – The same data points are used to populate 1.6 Property and are provided only once in +the XML file. + +B. FOR MORE I NFORMATI ON + +17.0 §1026.38(l) pp. 80126, 80359, 80026 + +17.1 §1026.38(l)(1) pp. 80126, 80359, 80026 + +17.2 §1026.38(l)(2) pp. 80126-7, 80359, 80026-7 + +17.3 §1026.38(l)(3) pp. 80127, 80359, 80027 + +17.4 §1026.38(l)(4) pp. 80127 80359, 80027-8 + +17.5 §1026.38(l)(5) pp. 80127, 80359, 80028-9 + +17.6 §1026.38(l)(6) pp. 80127, 80359, 80029-30 + +Appendix E: UCD Implementation Guide + +Page 190 of 254 + +Version 1.4 + +Uniform Closing Dataset + +18.0 Escrow Account - UPDATED + +18.0 ESCROW ACCOUNT - UPDATED + +The Escrow Account section is included in the following Closing Disclosure variations: + +Table 126. Required Sections for each Closing Disclosure Variation -- UPDATED + +Form +Field ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +Non-Seller Transactions +Only Alternate Form + +18.0 + +Escrow Account + +✓ + +✓ + +✓ + +Figure 110 illustrates the Escrow Account section, which indicates whether the loan will have an escrow +account, then includes information under either the Escrow or No Escrow heading as applicable. diff --git a/chunks/txt/d10c97456ff493d2a9a29b4a7466dcd9c32ba01dbaf57e242290b3b2dcb0b2df.txt b/chunks/txt/d10c97456ff493d2a9a29b4a7466dcd9c32ba01dbaf57e242290b3b2dcb0b2df.txt new file mode 100644 index 0000000000000000000000000000000000000000..939efb5b0a3e28198c9d6bc1a21400ad80976d0e --- /dev/null +++ b/chunks/txt/d10c97456ff493d2a9a29b4a7466dcd9c32ba01dbaf57e242290b3b2dcb0b2df.txt @@ -0,0 +1,70 @@ +Page 51 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +Reporting Format: +Line 1: Total Square Footage – Numeric to 5 +digits, whole numbers only +Line 1: Finished Square Footage – Numeric +to 5 digits, whole numbers only +Line 1: Basement Access – Appraiser must +select one value from the specified list (values +wo, wu, or in) +The PDF creator will automatically insert the +text ‘sf’ to separate the data values. + +Line 2: Room Count/Type – Numeric to 1 +digit* +*For bathrooms, the format is n.n – full baths +separated from half baths with a period (.). +The PDF creator will automatically insert the +room type abbreviations to separate the data +values. + +Examples: +Line 1: 1000sf750sfwu +Line 2: 1rr1br1.0ba2o + +Energy Efficient Items +The appraiser must enter any energy efficient +items for the subject property and each +comparable property. If there are no energy +efficient items, enter ‘None’. + +Reporting Format: +Energy Efficient Items – Text + +Garage/Carport +The appraiser must indicate the total number +and type of off-street parking spaces +associated with the subject property and each +comparable property. If there is no off-street +parking, enter ‘None’. + +Reporting Format: +Garage/Carport – Text + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 diff --git a/chunks/txt/d11f4099e56dd921d05bcef2a3d757c39048138f6d651f7e63c641835db142ae.txt b/chunks/txt/d11f4099e56dd921d05bcef2a3d757c39048138f6d651f7e63c641835db142ae.txt new file mode 100644 index 0000000000000000000000000000000000000000..b77a8be98f02ba0143cbe7ee5296433e700cc698 --- /dev/null +++ b/chunks/txt/d11f4099e56dd921d05bcef2a3d757c39048138f6d651f7e63c641835db142ae.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/plain-language-report" +date_accessed: "2026-01-27T17:54:20.728Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/d1215d21316665e9efc03493f9cdd97690eeefb1340a775ce239584663675a69.txt b/chunks/txt/d1215d21316665e9efc03493f9cdd97690eeefb1340a775ce239584663675a69.txt new file mode 100644 index 0000000000000000000000000000000000000000..291c0b09b9cb75d6e88d8c2692fe03444089a771 --- /dev/null +++ b/chunks/txt/d1215d21316665e9efc03493f9cdd97690eeefb1340a775ce239584663675a69.txt @@ -0,0 +1,59 @@ +Uniform Closing Dataset Specification Version 2.0 +Implementation Guide +Document Version 1.0 +December 17, 2024 + +In support of the +Integrated Mortgage Closing Disclosure under the +Real Estate Settlement Procedures Act (Regulation X) +and the Truth in Lending Act (Regulation Z) +Issued by the CONSUMER FINANCIAL PROTECTION BUREAU +Published in the Federal Register on December 31, 2013 + +and all subsequent amendments, corrections and interpretations: +86 FR 44267 Interpretation (August 8, 2021) +85 FR 26319 Interpretation (May 4, 2020) +83 FR 19159 Amendments (May 2, 2018) +82 FR 37656 Amendments (August 11, 2017) +81 FR 7032 Correction (February 10, 2016) +80 FR 80228 Correction (December 24, 2015) +80 FR 43911 Amendments (July 24, 2015) +80 FR 8767 Amendments (Feb. 19, 2015) +80 FR 43911 Amendments (July 24, 2015) +80 FR 80228 Correction (December 24, 2015) + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. +©2024 Freddie Mac and Fannie Mae. All Rights Reserved. MISMO® is a registered trademark of the Mortgage Industry Standards Maintenance +Organization. + +Uniform Closing Dataset + +Revision History + +REVISION HISTORY + +Publication Date + +Version +Number + +Revision Description + +December 17, 2024 + +1.0 + +Initial version with UCD v2.0 Specification. + +UCD v2.0 Implementation Guide + +ii + +Version 1.0 + +Uniform Closing Dataset + +CONTENTS + +Contents diff --git a/chunks/txt/d129f0f9254d6204b62c858785bb9bb9ca27be4304903b55ba337e1fa6025008.txt b/chunks/txt/d129f0f9254d6204b62c858785bb9bb9ca27be4304903b55ba337e1fa6025008.txt new file mode 100644 index 0000000000000000000000000000000000000000..c7046601de984a8de5c26c7b229e6e238be1d758 --- /dev/null +++ b/chunks/txt/d129f0f9254d6204b62c858785bb9bb9ca27be4304903b55ba337e1fa6025008.txt @@ -0,0 +1,62 @@ +Business Partner Organization Type + +Yes No N/A If yes, please provide the name(s) + +Loan Origination System + +UCDP Direct Integrator or UCDP Portal + +Lender Agents (e.g. Appraisal Management Companies) + +© 2025 Freddie Mac and Fannie Mae. Trademarks of respective owners. + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of +the Federal Housing Finance Agency. + +2 of 3 + +Business Partner Organization Type + +Yes No N/A If yes, please provide the name(s) + +Appraisal Ordering Platform + +Other Appraisal Service Provider(s) (ex. Fulfillment or QC +software/vendor) + +4. Limited Production + +Please provide the estimated count of UAD 3.6 appraisals currently anticipated for UCDP submission per month? + +Month + +September + +October + +November + +December + +January + +Percentage of Production + +Units + +a. Percentage of business? ___________________________________________________ + +b. + +If planning to stage portions of your business to convert to UAD 3.6 over time, please explain your plan. + +(e.g. Property Type, State, Channel etc.) + +________________________________________________________________________ + +© 2025 Freddie Mac and Fannie Mae. Trademarks of respective owners. + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. + +3 of 3 diff --git a/chunks/txt/d13f172970af396d5471acb98b7b9d6faab929d7551777500a3b4bf09e5111b0.txt b/chunks/txt/d13f172970af396d5471acb98b7b9d6faab929d7551777500a3b4bf09e5111b0.txt new file mode 100644 index 0000000000000000000000000000000000000000..c6c8bfa2c0abd4cff363d12fcff2cbef90320298 --- /dev/null +++ b/chunks/txt/d13f172970af396d5471acb98b7b9d6faab929d7551777500a3b4bf09e5111b0.txt @@ -0,0 +1,71 @@ +Notes: +• +• + +If the feature does not exist for the comparable, enter “None”. +If the comparable has an exterior feature that the subject does not +have, report as an Additional Row in the Dwelling(s) subsection +(22.05.18) and not here. +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Interior Quality and Condition + +Interior Quality and Condition repeats in the sales comparison grid for each unit that is not an ADU. +Notes: +• When interior features are included in the Interior Quality and Condition subsection, it provides context for: + +o +o + +Interior Quality Rating for the unit, and for the Overall Quality Rating. +Interior Condition Rating for the unit, and for the Overall Condition Rating. + +• Any adjustments are made in the Overall Quality Rating (22.11.04) or Overall Condition Rating (22.11.06) row, and not here. +• For a single-family property, only one unit displays in the sales grid, with no Structure Identifier or Unit Identifier. +• For properties with more than one unit: + +o Structure Identifier and Unit Identifier are always required. +o The interior quality and condition information repeats for each unit. + +• Accessory dwelling units are addressed separately in the ADU Interior Quality and Condition subsection (22.10). + +Report +Field ID + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Interior Quality and Condition + +22.09.02 +22.09.18 + +Structure ID | +Unit ID + +When Units +Excluding +ADUs is more +than 1 for the +subject or any +comparable diff --git a/chunks/txt/d1436e1e40c4f1664b79ce960915b4a169456bb552a6487686f7aaa0f6259fef.txt b/chunks/txt/d1436e1e40c4f1664b79ce960915b4a169456bb552a6487686f7aaa0f6259fef.txt new file mode 100644 index 0000000000000000000000000000000000000000..627b51569c836b618a16597c6a5bac968908d2cf --- /dev/null +++ b/chunks/txt/d1436e1e40c4f1664b79ce960915b4a169456bb552a6487686f7aaa0f6259fef.txt @@ -0,0 +1,381 @@ +Sales Comparison Comment** + +.VALUATION_METHODS +..SALES_COMPARISON +...RESEARCH +Sales History Researched Indicator + +Sales History Not Researched Comment + +Comparable Listings Researched Count + +Comparable Sales Researched Count + +Comparable Sales Price Range Low Amount + +Comparable Sales Price Range High Amount + +Comparable Listing Price Range Low Amount + +Comparable Listing Price Range High Amount + +.VALUATION_METHODS +..SALES_COMPARISON +...RESEARCH +….SUBJECT + +UAD Consolidated Schema Matrix +Appendix B: GSE Appraisal Forms Mapping + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Page 21 of 211 + +Document Version 1.4 + +Subject Has Prior Sales Indicator** + +Data Source Description + +.VALUATION_METHODS +..SALES_COMPARISON +...RESEARCH +….COMPARABLE +Comparable Has Prior Sales Indicator** + +Data Source Description + +.VALUATION_METHODS +..SALES_COMPARISON +...COMPARABLE_SALE +Property Sequence Identifier + +Data Source Verification Description + +Property Sales Amount + +Sales Price Per Gross Living Area Amount + +Sale Price Total Adjustment Amount + +Sales Price Total Adjustment Positive Indicator + +Sale Price Total Adjustment Net Percent diff --git a/chunks/txt/d14d440594f8237dd2ea943f0300f6ab8504be2746f6dadb0846d6927cf785a2.txt b/chunks/txt/d14d440594f8237dd2ea943f0300f6ab8504be2746f6dadb0846d6927cf785a2.txt new file mode 100644 index 0000000000000000000000000000000000000000..0e0a57ad7744c1f11eb697608ca4763a0c43541d --- /dev/null +++ b/chunks/txt/d14d440594f8237dd2ea943f0300f6ab8504be2746f6dadb0846d6927cf785a2.txt @@ -0,0 +1,106 @@ +Reporting Format: +Is there any commercial space in the project? +– Checkbox designated with an ‘x’ Percentage +of Commercial Space – Numeric to 2 digits, +whole numbers only + +Page 24 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075*/466* + +• *FIELD IS LOCATED + +IN PROJECT +INFORMATION +SECTION + +• + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075*/466* + +• *FIELD IS LOCATED + +IN UNIT +DESCRIPTION +SECTION + +• + +• 1004/70 + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +INSTRUCTION + +Improvemen +ts Section + +# of Stories +The appraiser must indicate the number of +stories for the subject property. Do not use any +designators or descriptors, such as ‘1 story’ or +‘one story and a half.’ + +For condominiums, the appraiser must enter +the number of stories for the building in which +the subject unit is located. + +Reporting Format: +# of Stories – Numeric to 2 decimal places + +# of Levels +The appraiser must indicate the number of +levels for the subject unit. Do not use any +designators or descriptors, such as ‘1 level’. + +Reporting Format: +# of Levels – Numeric, whole numbers only + +Design (Style) +The appraiser should enter an appropriate +architectural design (style) type descriptor that +best describes the subject property. Valid +descriptions include, but are not limited to, +‘Colonial,’ ‘Rambler,’ ‘Georgian,’ ‘Farmhouse’. +Do not use descriptors such as ‘brick,’ ‘2 +stories,’ ‘average,’ ‘conventional,’ or ‘typical’ +as these are not architectural styles. +Design style names may vary by locality. The +appraiser should report the name of the design +style that is applicable within the local market +area. diff --git a/chunks/txt/d158c4c7b7a4a61d13bb17b6ee9d0a6d1e957026aad0d5babb807406a1f4a0d1.txt b/chunks/txt/d158c4c7b7a4a61d13bb17b6ee9d0a6d1e957026aad0d5babb807406a1f4a0d1.txt new file mode 100644 index 0000000000000000000000000000000000000000..4afbebb768220533789b36fb2ee2f11e52acdf4c --- /dev/null +++ b/chunks/txt/d158c4c7b7a4a61d13bb17b6ee9d0a6d1e957026aad0d5babb807406a1f4a0d1.txt @@ -0,0 +1,194 @@ +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/COOLING/@_OtherIndicator + +1 + +1 + +Boolean + +UAD Instruction - Refer to Appendix D Improvements Section +A value of 'Y' indicates individual cooling units, a value of 'N' indicates the +box is not checked. + +Boolean + +UAD Instruction - Refer to Appendix D Improvements Section +A value of 'Y' indicates other cooling, a value of 'N' indicates the box is not +checked. + +185 + +186 + +187 + +188 + +189 + +190 + +191 + +192 + +193 + +194 + +195 + +196 + +197 + +198 + +199 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +180 + +IMPROVEMENTS + +Cooling +Other Description + +Cooling Unit +Description + +A free-form text field describing the +primary cooling unit. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/COOLING/@_UnitDescription + +10 + +String + +UAD Instruction - Refer to Appendix D Improvements Section +This field should indicate the cooling method used, if 'Other' is indicated. If no +cooling, 'None' should be indicated. + +1 + +2 + +1 + +6 + +1 + +181 + +IMPROVEMENTS + +Amenities +Fireplace + +Amenity Exists +Indicator + +Indicates that the amenity specified +by Amenity Type is present in the +structure. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/AMENITY[@_Type='Fireplace']/@_ +ExistsIndicator + +182 + +IMPROVEMENTS + +Amenities +Fireplace(s) # + +Amenity Count + +183 + +IMPROVEMENTS + +Amenities +Patio/Deck + +Amenity Exists +Indicator + +184 + +IMPROVEMENTS + +Amenities +Patio/Deck Description + +Amenity Detailed +Description + +185 + +IMPROVEMENTS + +Amenities +Pool + +Amenity Exists +Indicator + +186 + +IMPROVEMENTS + +Amenities +Pool Description + +Amenity Detailed +Description + +187 + +IMPROVEMENTS + +Amenities +Woodstove + +Amenity Exists +Indicator + +The number of the amenities specified +by Amenity Type that are present in +the property. For example two +fireplaces. diff --git a/chunks/txt/d162a5d3cef4532bb262d664544d9d7cda015c67dc0eb1c7d7004a7b8f89ef17.txt b/chunks/txt/d162a5d3cef4532bb262d664544d9d7cda015c67dc0eb1c7d7004a7b8f89ef17.txt new file mode 100644 index 0000000000000000000000000000000000000000..36ebeb85ca49845a57564060cd2d301f0e8f3659 --- /dev/null +++ b/chunks/txt/d162a5d3cef4532bb262d664544d9d7cda015c67dc0eb1c7d7004a7b8f89ef17.txt @@ -0,0 +1,133 @@ +Accessory Dwelling Units + +Gross Building Finished Area + +Rent Control + +Sale Price + +Sale Date + +Gross Monthly Rent + +Gross Rent Multiplier + +Comparable Weight + +Indicated Value by Income Approach + +Total Monthly Market Rent + +× + +Gross Rent Multiplier + += + +Indicated Value by Income Approach + +this must appear + +Income Approach Commentary + +Income Approach Exhibits + +Comparable # + +Comparable # + +Comparable # + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +Cost Approach + +Indicated Value by Cost Approach + +Depreciated Cost - Dwelling - [Structure Identifier] + +@ + +Physical Depreciation + +Functional Depreciation + +External Depreciation + +Total Depreciation + +Manufactured Home Delivery, +Installation, and Set Up + +Remaining Economic Life +Effective Age + +Commentary on Remaining Economic Life + +Commentary on Effective Age + +Depreciated Cost - Outbuilding - [Outbuilding Type] + +@ + +Physical Depreciation + +Functional Depreciation + +External Depreciation + +Total Depreciation + +Manufactured Home Delivery, +Installation, and Set Up + +As Is Value of Site Improvements + +Description + +Depreciated Cost of Dwellings +Depreciated Cost of Outbuildings +As Is Value of Site Improvements +Opinion of Site Value + +Total + +Total + +Total + +Amount + +Site Value + +Primary Site Valuation Method + +Opinion of Site Value + +Land Comparables + +# + +Address + +County + +Data Source + +Assessor Parcel +Number (APN) + +Site Size + +Sale Date + +Price + +Reconciliation of Site Value + +General Description + +Cost Type +Cost Data Source +Quality Rating +Effective Date diff --git a/chunks/txt/d16405f796f78e7a696abcb3a9a2353357e44685fcf6a50b23afaf0072da5675.txt b/chunks/txt/d16405f796f78e7a696abcb3a9a2353357e44685fcf6a50b23afaf0072da5675.txt new file mode 100644 index 0000000000000000000000000000000000000000..9926e2ed6fc24fa170ce05389765fdc7d9d79ded --- /dev/null +++ b/chunks/txt/d16405f796f78e7a696abcb3a9a2353357e44685fcf6a50b23afaf0072da5675.txt @@ -0,0 +1,128 @@ +Required if All Rights +Included in Appraisal is +No, and the row is +included in the sales +comparison grid + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Dollar amount + +Yes | No + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Yes | No + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Subject Property +• + +Property Rights +Appraised 3.019 + +Yes +22.01.40 + +• +• +• + +Fee Simple +Leasehold +Other (Describe) + +Adjustments, if any, for differences between Fee Simple and Leasehold, or +for differences in Ground Rent Annual Amount are done in this row. + +No + +This row is included only to report the ground rents for the subject and +comparables. Any adjustment for Ground Rent Annual Amount is done in +the Property Rights Appraised row (22.01.40). + +Subject Property +• +Ground Rent +Annual Amount +3.022 + +Subject Property +• + +Property on Native +American Lands +3.014 + +Subject Property +• + +Native American +Lands Type 3.021 + +Yes +22.01.43 + +Yes +22.01.43 + +Property on Native American Lands + +• +• +• +• + +Alaska Native Corporation Land +Hawaiian Home Lands +Tribal Trust Land +Other (Describe) + +Subject Property +• + +All Rights Included +in Appraisal 3.027 + +Yes +22.01.45 + +This row displays on the sales comparison grid when an adjustment is +made for the bundle of rights, or to support conclusions. + +Subject Property +• +Rights Not +Included 3.028 + +No + +• +Air Rights +• Mineral Rights +• +Timber Rights +• Water Rights +• + +Other (Describe) + +This row is included only to report the rights that are not included as part +of the bundle of rights for the subject and comparables. Any adjustment +for Rights Not Included is done in the All Rights Included row (22.01.45). diff --git a/chunks/txt/d17253102d4dfc8802a14307d54aba3ade75c0bd1d6996f9181627abad060231.txt b/chunks/txt/d17253102d4dfc8802a14307d54aba3ade75c0bd1d6996f9181627abad060231.txt new file mode 100644 index 0000000000000000000000000000000000000000..65ce01354c6d2d58302f7fb276f6f6024781dd09 --- /dev/null +++ b/chunks/txt/d17253102d4dfc8802a14307d54aba3ade75c0bd1d6996f9181627abad060231.txt @@ -0,0 +1,30 @@ +2d. Other Liabilities and Expenses + +Other liabilities and expenses should be reported by the borrower (i.e., Alimony, Child Support, Separate +Maintenance, and Job-Related Expenses). Job related expenses are generally only required for VA loans +and include items such as childcare expenses. + +Section 3: Financial Information – Real Estate +This section is used to provide information on real properties the borrower(s) own. + +3a. Property You Own + +Borrowers must identify information on real estate that they own. In the case of a refinance application, +DU expects the Loan Application Submission file to include the OwnedSubjectPropertyIndicator. The +redesigned Form 1003 table includes information about the property value, status, intended occupancy, and +the associated mortgage unless the borrower owns the property free of liabilities. Note that if the monthly +insurance and taxes are included in the mortgage payment, the information should not also be identified +separately in Insurance, Taxes, and Association Dues. The nature of this information is distributed among +different MISMO containers and it will be necessary to link them to allow DU to understand the +relationship, especially in the case of multiple properties and mortgages. + +Refer to the corresponding diagram under Chapter 6 to better visualize the above concepts. The diagrams +will give you context when discussing the information with your technical team. + +3b. IF APPLICABLE, Complete Information for Additional Property + +The purpose of this table is to identify additional properties. The table could repeat as necessary for +additional properties a borrower owns. DU will expect the Loan Application Submission file to include +multiple instances to allow reporting of all REO properties that the borrower declares. An ArcRole should +be used to associate the REO properties to the corresponding liabilities (mortgages or home equity lines of +credit), refer to the ArcRole Tab for more information. The following attribute in example 4 applies: diff --git a/chunks/txt/d1793e0f3e132e6954fc13f5a2261108ebc565367bcd6a3df07612ec4a0cb790.txt b/chunks/txt/d1793e0f3e132e6954fc13f5a2261108ebc565367bcd6a3df07612ec4a0cb790.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d531f31f891f923da1710425afd17ac2ed9c48b --- /dev/null +++ b/chunks/txt/d1793e0f3e132e6954fc13f5a2261108ebc565367bcd6a3df07612ec4a0cb790.txt @@ -0,0 +1,7 @@ +18 Project Information ......................................................................................................................................................................................................................... 244 + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 16 + +Overview ................................................................................................................................................................................................................................................ 244 diff --git a/chunks/txt/d1921e557dd4b3c49af299be77d421110ba92464df1b6178fdb70da3c4803f52.txt b/chunks/txt/d1921e557dd4b3c49af299be77d421110ba92464df1b6178fdb70da3c4803f52.txt new file mode 100644 index 0000000000000000000000000000000000000000..8802b430e5bfce90c947370be22689e3aa47d0d0 --- /dev/null +++ b/chunks/txt/d1921e557dd4b3c49af299be77d421110ba92464df1b6178fdb70da3c4803f52.txt @@ -0,0 +1,89 @@ +The Loan Terms table provides information about the Payment Option feature presented in the AP Table. + +Appendix E: UCD Implementation Guide + +Page 201 of 254 + +Version 1.4 + +Uniform Closing Dataset + +19.0 Adjustable Payment (AP) Table + +Loan Terms + +4.0 Initial P&I + +Increase? + +Description + +4.3 Monthly Principal & Interest + +See Projected Payments below for your +Estimated Total Monthly Payment + +4.3.1 $761.78 + +4.3.2 YES + +4.3.3 +5) Adjusts once starting in year 6 +6) Can go as high as $925.00 in year 6 +7) See AP Table on page 4 for details + +Figure 122. Loan Terms Table for Optional Payment Loan + +2. LOAN TERMS AND AP TABLE PAYMENT OPTI ON LOAN + +The following table links the information provided in the Loan Terms and AP Tables. + +Table 134. Loan Terms and AP Table Payment Option Loan Entries + +Loan Terms Table (4.0) + +AP Table (19.0) + +ID (bullet) + +Form Field Name + +ID + +Form Field Name + +4.3 Monthly Principal & Interest + +19.5 Monthly Principal and Interest Payments + +4.3.3 (1) Adjusts once… + +N/A + +N/A + +N/A + +4.3.3 (1) …starting in year 6 +4.3.3 (2) Can go as high as $925.00 … + +19.7 Subsequent Changes No subsequent changes + +19.6 First Change / Amount $925.00… + +19.6 First Change / Amount …at 61st payment +19.8 Maximum Payment $925.00… + +4.3.3 (2) …in year 6 + +19.8 …starting at 61st payment + +Figure 123. Loan Terms and AP Table for Optional Payment Loan + +The data points used to provide this information are shown in the table below. The Loan Terms table form field +IDs have been included where applicable to help emphasize that the data points are provided only once in the +XML file. + +Table 135. Optional Payment Loan +MISMO v3.3.0 Data +Point/Attribute diff --git a/chunks/txt/d1a79905c0066594947ac11771e222cb004edaf108f1b6f9f1a461f694be4411.txt b/chunks/txt/d1a79905c0066594947ac11771e222cb004edaf108f1b6f9f1a461f694be4411.txt new file mode 100644 index 0000000000000000000000000000000000000000..84b2b0c494d32d857f4d7b115f9a13307d452bae --- /dev/null +++ b/chunks/txt/d1a79905c0066594947ac11771e222cb004edaf108f1b6f9f1a461f694be4411.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"data\/dashboard\/enterprise-multifamily-public-use-database","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/d1d0feeb2cec7de0702c28e29d545b5838ff2b6300fd3cada31f2304089274c2.txt b/chunks/txt/d1d0feeb2cec7de0702c28e29d545b5838ff2b6300fd3cada31f2304089274c2.txt new file mode 100644 index 0000000000000000000000000000000000000000..a928737e661228ee9e615838f8a40bf291f836fc --- /dev/null +++ b/chunks/txt/d1d0feeb2cec7de0702c28e29d545b5838ff2b6300fd3cada31f2304089274c2.txt @@ -0,0 +1,147 @@ +NoInspection + +false + +25.165173 + +-51.328125 + +Kinross Avenue to the North; Malcolm Avenue to the East; Ohio Avenue to the South; The 405 to the West + +12 + +The market search was limited by the following factors: Properties that included between 1-2 full bathrooms, 2-3 bedrooms, that were built between 1960 and 1985 with a closing date between 09/18/2018 and 09/17/2019. + +7 + +769000 + +699999 + +29 + +747000 + +ActiveListings + +2 + +PendingSales + +31 + +809000 + +719000 + +764000 + +TotalSales + +UnderThreeMonths + +Shortage + +false + +Eastwood + +Tract Number 31313 - Unit Number 202, Parking Spaces G22, G23. + +CondominiumUnit + +AssessorUnformattedIdentifier + +4324-007-028-001 + +Parking + +AssessorUnformattedIdentifier + +4324-007-028-G22 + +Parking + +AssessorUnformattedIdentifier + +4324-007-028-G23 + +BuiltInPool + +Assigned + +UnitStorage + +IngroundSpa + +false + +There is on-going renovation of balconies on the building due to settlement cracking. + +true + +false + +true + +true + +5 + +true + +36 + +2 + +3 + +The appraiser was unable to obtain an exact count of renters due to incomplete data on the Condo Questionnaire. + +true + +34 + +Condominium + +The MI5 + +false + +2 + +56 + +Concrete + +Balcony + +OutdoorLiving + +1 + +IndoorFireplace + +WholeHome + +WallsAndCeiling + +false + +Peeling paint was observed in one of the bedrooms of unit. Appears to be typical deferred maintenance. + +Other + +Bedroom + +None + +Peeling Paint + +\\Images\Condo1_UnitDefect.png + +image/png + +false + +Balcony is functional, but shows overall age and some deferred maintenance, mainly from the cracking of concrete. The condo association has systematically been moving throughout the building and making repairs as needed throughout all unit balconies. diff --git a/chunks/txt/d1e967ae12877df15c725b95912233ae3de65a0e6bbbc6204aab3067c426821c.txt b/chunks/txt/d1e967ae12877df15c725b95912233ae3de65a0e6bbbc6204aab3067c426821c.txt new file mode 100644 index 0000000000000000000000000000000000000000..124d756c006609a80e094642d164d7b31edcffe4 --- /dev/null +++ b/chunks/txt/d1e967ae12877df15c725b95912233ae3de65a0e6bbbc6204aab3067c426821c.txt @@ -0,0 +1,3 @@ +Overview ................................................................................................................................................................................................................................................ 214 + +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 215 diff --git a/chunks/txt/d1f4b3bedbe945bcbad180f0ccc9014239c52ad3a09c847da40d98894a26d001.txt b/chunks/txt/d1f4b3bedbe945bcbad180f0ccc9014239c52ad3a09c847da40d98894a26d001.txt new file mode 100644 index 0000000000000000000000000000000000000000..2840a028470aa32f3da4f3afb15ce75a9989a98f --- /dev/null +++ b/chunks/txt/d1f4b3bedbe945bcbad180f0ccc9014239c52ad3a09c847da40d98894a26d001.txt @@ -0,0 +1,76 @@ +Are the utilities and off-site +improvements typical for the +market area? No + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='UtilitiesAndOffSiteImprovementsConformToNeighborhood' and +@_ExistsIndicator='Y'] + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='UtilitiesAndOffSiteImprovementsConformToNeighborhood' and +@_ExistsIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +Are the utilities and off-site +improvements typical for the +market area? If No, describe + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by Property +Analysis Type. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='UtilitiesAndOffSiteImprovementsConformToNeighborhood']/@_Comme +nt + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Are there any adverse site +conditions or external factors +(easements, encroachments, +environmental conditions, land +uses, etc.)? Yes +Are there any adverse site +conditions or external factors +(easements, encroachments, +environmental conditions, land +uses, etc.)? No +Are there any adverse site +conditions or external factors +(easements, encroachments, +environmental conditions, land +uses, etc.)? If Yes, describe + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. diff --git a/chunks/txt/d1f57706e1e489451e7b2408a7235e82dd7199ebf7682d396dc8ad4d7b5f3746.txt b/chunks/txt/d1f57706e1e489451e7b2408a7235e82dd7199ebf7682d396dc8ad4d7b5f3746.txt new file mode 100644 index 0000000000000000000000000000000000000000..625ba6ee3f5eb19d94c332177dc33da6adc4e9fb --- /dev/null +++ b/chunks/txt/d1f57706e1e489451e7b2408a7235e82dd7199ebf7682d396dc8ad4d7b5f3746.txt @@ -0,0 +1,36 @@ +Whether borrowers request joint credit or not, each asset/liability/expense should be associated with each +applicable borrower using ArcRoles. DU requires each asset/liability/expense be associated with at least +ONE borrower: + +ASSET_ IsAssociatedWith_ROLE +LIABILITY_IsAssociatedWith_ROLE +EXPENSE_IsAssociatedWith_ROLE + +An example of RELATIONSHIPS structure in the XML + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +12 + +How to request a joint or individual credit report + +In the DU Spec a new ArcRole was added to identify borrower pairs who share a joint credit report. This +means that the Loan Application Submission file must include the correct labels to instruct DU which +borrower pairs share joint credit (see sample below) in addition to which borrower(s) are associated to +each asset, liability and expense. When borrowers do not share joint credit or only one borrower applies +for the loan, the new ArcRole “SharesJointCreditReportWith” is not needed. Moreover, a borrower can +only have one ArcRole stating with whom they share joint credit. + +The following provides a visual representation and the expected ArcRole usage in the Loan Application +Submission file and the related XIS Control Input (CI). To avoid errors, it is important that the XIS +CREDIT_INFORMATION element, which is part of the CI, and the new ArcRole +“SharesJointCreditReportWith” are consistent. + +Scenario: Three Borrowers, two that have joint credit and one that has individual credit information +apply for a loan and submit to DU. + +The three borrowers with unique xlink:label values: + +DU Spec Implementation Guide diff --git a/chunks/txt/d1fe150c284557a9a7ebf07e512d56527426b0b23c41e778c6e7fc76dd1afa9f.txt b/chunks/txt/d1fe150c284557a9a7ebf07e512d56527426b0b23c41e778c6e7fc76dd1afa9f.txt new file mode 100644 index 0000000000000000000000000000000000000000..da4acf817eab2fea3b9573500d48a9de18b6d0a2 --- /dev/null +++ b/chunks/txt/d1fe150c284557a9a7ebf07e512d56527426b0b23c41e778c6e7fc76dd1afa9f.txt @@ -0,0 +1,7 @@ +(cid:20)(cid:19)(cid:1)(cid:3)(cid:3)(cid:8)(cid:24) +(cid:20)(cid:19)(cid:1)(cid:3)(cid:3)(cid:9)(cid:24) + +(cid:4)(cid:26)(cid:26)(cid:27)(cid:13)(cid:21)(cid:28)(cid:17)(cid:27)(cid:32)(cid:10)(cid:17)(cid:18)(cid:17)(cid:27)(cid:17)(cid:24)(cid:15)(cid:17)(cid:32)(cid:8)(cid:6)(cid:32) (cid:20)(cid:19)(cid:1)(cid:3)(cid:3)(cid:10)(cid:24) +(cid:4)(cid:19)(cid:17)(cid:24)(cid:15)(cid:31)(cid:32)(cid:5)(cid:13)(cid:28)(cid:17)(cid:32)(cid:7)(cid:21)(cid:22)(cid:17)(cid:32)(cid:21)(cid:18)(cid:24) (cid:20)(cid:19)(cid:2)(cid:3)(cid:3)(cid:12)(cid:24) +(cid:5)(cid:22)(cid:21)(cid:17)(cid:24)(cid:29)(cid:32)(cid:10)(cid:17)(cid:18)(cid:17)(cid:27)(cid:17)(cid:24)(cid:15)(cid:17)(cid:32)(cid:8)(cid:6)(cid:32) (cid:20)(cid:19)(cid:1)(cid:3)(cid:3)(cid:13)(cid:24) +(cid:4)(cid:9)(cid:5)(cid:32)(cid:10)(cid:17)(cid:18)(cid:17)(cid:27)(cid:17)(cid:24)(cid:15)(cid:17)(cid:32)(cid:21)(cid:18)(cid:24) (cid:20)(cid:19)(cid:1)(cid:17)(cid:22)(cid:16)(cid:24) diff --git a/chunks/txt/d1ff6d1ba398f6f2ffe0dec6b615ec6dc69d1dc8256670971102529a5ea5f37b.txt b/chunks/txt/d1ff6d1ba398f6f2ffe0dec6b615ec6dc69d1dc8256670971102529a5ea5f37b.txt new file mode 100644 index 0000000000000000000000000000000000000000..c6ffa2b3c0f332950cab07413d09da70da7a6c9e --- /dev/null +++ b/chunks/txt/d1ff6d1ba398f6f2ffe0dec6b615ec6dc69d1dc8256670971102529a5ea5f37b.txt @@ -0,0 +1,70 @@ +7.5.1 to Payee Type & Name + +7.5.2 $ + +7.4.1 $ + +7.5.3 $ + +7.5.6 $ + +7.6 C. Services Borrower Did Shop For +7.7 Fee Item + +7.7.1 to Payee Type & Name + +7.7.2 $ + +7.6.1 $ + +7.7.3 $ + +7.7.6 $ + +7.8 D. TOTAL LOAN COSTS (Borrower-Paid) +7.9 Loan Costs Subtotals (A + B + C) + +7.9.2 $ + +7.8.1 $ + +7.9.3 $ + +Other Costs +8.1 E. Taxes and Other Government Fees +8.2 Recording Fees +8.3 Transfer Tax + +8.0 + +8.2 Deed: 8.2.1 $ 8.2 Mortgage 8.2.1 $ +8.3.1 to Jurisdiction Name + +8.4 F. Prepaids +8.5 Homeowner’s Insurance Premium 8.5.1 (n mo.) to Payee Type & Name +8.6.1 (n mo.) to Payee Type & Name +8.6 Mortgage Insurance Premium +8.7.1 ($ per day from Date to Date) +8.7 Prepaid Interest +8.8.1 (n mo.) to Payee Type & Name +8.8 Property Taxes +8.9.1 (n mo.) to Payee Type & Name +8.9 Prepaid Item + +8.2.2 $ +8.3.2 $ + +8.5.2 $ +8.6.2 $ +8.7.2 $ +8.8.2 $ +8.9.2 $ + +8.10 G. Initial Escrow Payment at Closing +8.11 Homeowner’s Insurance 8.11.1 ($ per month for n mo.) to Payee Type 8.11.2 $ +8.12.1 ($ per month for n mo.) to Payee Type 8.12.2 $ +8.12 Mortgage Insurance +8.13.1 ($ per month for n mo.) to Payee Type 8.13.2 $ +8.13 Property Taxes +8.14.1 ($ per month for n mo.) to Payee Type 8.14.2 $ +8.14 Escrow Item diff --git a/chunks/txt/d1ffa394b616a6fc3a36ddb82421c0ea185d4009c44be1b408a70658513b1cb3.txt b/chunks/txt/d1ffa394b616a6fc3a36ddb82421c0ea185d4009c44be1b408a70658513b1cb3.txt new file mode 100644 index 0000000000000000000000000000000000000000..4c0361ee606d7d2b5d71a7ca5b329a2a90b621e4 --- /dev/null +++ b/chunks/txt/d1ffa394b616a6fc3a36ddb82421c0ea185d4009c44be1b408a70658513b1cb3.txt @@ -0,0 +1,39 @@ +In this report, FHFA presents the actions that it plans to pursue in service of this vision. This report categorizes these actions under four broad themes. The themes are: + +- Mission of the FHLBank System + - Stable and reliable source of liquidity + - Housing and community development + - FHLBank System operational efficiency, structure, and governance + +Attachment(s): + [FHLBank System at 100: Focusing on the Future Report](/AboutUs/Reports/ReportDocuments/FHLBank-System-at-100-Report.pdf) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/d21066d79464291233c9f28bc2307aa03fa1470ea56356af7739325a2f949412.txt b/chunks/txt/d21066d79464291233c9f28bc2307aa03fa1470ea56356af7739325a2f949412.txt new file mode 100644 index 0000000000000000000000000000000000000000..52b51108701979be5c802c6b5a15216c706c3645 --- /dev/null +++ b/chunks/txt/d21066d79464291233c9f28bc2307aa03fa1470ea56356af7739325a2f949412.txt @@ -0,0 +1,47 @@ +If no sanitary sewer service is present, enter 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +This field must indicate the sanitary sewer service if present and not public. If no +sanitary sewer service is present, enter 'None' in the description field.. + +UAD Instruction - Refer to Appendix D Site Section +This field should indicate the street type. The value 'None' should be indicated if none +is present. + +If field 1-106 (Site Utility Non Public +Indicator) is indicated, this field is required. +If no utilities are present 'None' must be +populated. + +If utilities are present, at least one of fields 1- +108, 1-109 (Site Utility Public Indicator = +'Y' or Site Utility Non Public Indicator = 'Y') +must be indicated. If no utilities are present +'None' must be populated in field 1-110 (Site +Utility Non Public Description). + +If utilities are present, at least one of fields 1- +108, 1-109 (Site Utility Public Indicator = +'Y' or Site Utility Non Public Indicator = 'Y') +must be indicated. If no utilities are present +'None' must be populated in field 1-110 (Site +Utility Non Public Description). + +If field 1-109 (Site Utility Non Public +Indicator) is indicated, this field is required. +If no utilities are present 'None' must be +populated. + +If utilities are present, at least one of fields 1- +111, 1-112 (Site Utility Public Indicator = +'Y' or Site Utility Non Public Indicator = 'Y') +must be indicated. If no utilities are present +'None' must be populated in field 1-113 (Site +Utility Non Public Description). + +If utilities are present, at least one of fields 1- +111, 1-112 (Site Utility Public Indicator = +'Y' or Site Utility Non Public Indicator = 'Y') +must be indicated. If no utilities are present +'None' must be populated in field 1-113 (Site +Utility Non Public Description). diff --git a/chunks/txt/d223978839f43eeb1ffc95273bc8a024042a892b2629de0617f4ce66b57a7f12.txt b/chunks/txt/d223978839f43eeb1ffc95273bc8a024042a892b2629de0617f4ce66b57a7f12.txt new file mode 100644 index 0000000000000000000000000000000000000000..fe15ab3c5edfd635eece05c3e99bea14cb84334f --- /dev/null +++ b/chunks/txt/d223978839f43eeb1ffc95273bc8a024042a892b2629de0617f4ce66b57a7f12.txt @@ -0,0 +1,82 @@ +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27) + +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Prior Sale and Transfer History + +Subject Transfer History + +Prior sales and/or transfers of the subject property (minimum 3 year look back) + +Prior Sales or Transfers 21.000 +21.001 + +Data Source + +Transfer Terms + +Date + +Amount + +21.002 + +21.003 + +21.004 + +Analysis of Prior Sale and Transfer History of Subject Property 21.006 + +Data Source + +21.005 + +Comparable Transfer History + +Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back) + +# + +Transfer Terms + +Date + +Amount + +21.007 + +21.008 + +21.009 + +21.010 + +Data Source + +21.011 + +Analysis of Prior Sale and Transfer History of Comparable Sales + +21.012 + +Prior Sale and Transfer History Exhibits +21.013.1 | 21.013.2 + +Appraisal Version # + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) diff --git a/chunks/txt/d224248de4bab8ef8aa1247ca33d4002c134624e105277cb1704a953d7b2a3b7.txt b/chunks/txt/d224248de4bab8ef8aa1247ca33d4002c134624e105277cb1704a953d7b2a3b7.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b229ea7d27833be0d0423cb8f8fc339db10b493 --- /dev/null +++ b/chunks/txt/d224248de4bab8ef8aa1247ca33d4002c134624e105277cb1704a953d7b2a3b7.txt @@ -0,0 +1,37 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Sample Scenario PDFs (Combined) +June 10, 2025 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction +of the Federal Housing Finance Agency. +© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Overview + +This document combines the UAD 3.6 sample scenario appraisal PDFs (originally published in 2023 and +2024) into a single document for ease of access. These are the same scenarios that are included in the +zip files on the GSE websites: + +• Appendix D-1: URAR Sample Scenarios and XML Files +• Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File +• Appendix D-3: Completion Report Sample Scenarios and XML Files + +Note: Reference the Scenario Matrix within each zip file for a summary of the scenarios, including key +characteristics and changes since the last published version. + +2- to 4-Unit Scenario + +Introduction + +This report is for a two unit home that fronts to a collector road with high density traffic. The subject +falls within USGS Lava Flow Zone 2, a hazard zone, with adverse impact due to volcanic activity. + +The subject property has two detached dwellings with one unit in each dwelling, each unit consisting of +864 sq. ft. The units have matching layouts and contain two bedrooms, one bathroom, a kitchen, living +room, and dining area. Both units have typical wear and tear throughout that does not affect the +livability of either unit. Rust is noted on each unit’s metal roof; however, neither roof has ruptures or +leaks due to the deterioration. The subject has newer impact-resistant glass to protect from potential +wind damage. One of the units has access to a carport and the other unit has access to a driveway. Each +unit has its own outdoor shower. diff --git a/chunks/txt/d2269bc8834f3f2fa090379df22df474b2482e46df0bfab3ed3c1c1637a47109.txt b/chunks/txt/d2269bc8834f3f2fa090379df22df474b2482e46df0bfab3ed3c1c1637a47109.txt new file mode 100644 index 0000000000000000000000000000000000000000..216cc1f2b5fb9ed602867c1788d93c1e402a7113 --- /dev/null +++ b/chunks/txt/d2269bc8834f3f2fa090379df22df474b2482e46df0bfab3ed3c1c1637a47109.txt @@ -0,0 +1,52 @@ +Uniform Residential Appraisal Report + +Page 25 of 29 +Page 25 of 29 + +Revision History + +Revision Date +10/07/2019 + +10/12/2019 + +URAR Section +Assignment Information + +Site + +Description +Corrected borrower name + +Added comment in “Description of Zoning Compliance” at client request + +Supplemental Information + +Supplemental Information Exhibits + +[Photo Caption Displays Here] + +This is where the Supplemental Information photo would display. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 26 of 29 +Page 26 of 29 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. + +Scope of Work + +The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, +the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the +applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject +property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property +reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. diff --git a/chunks/txt/d2360acc1850f937ff88f25fdd217f395c94b32520d26523d143a3e8f10aba33.txt b/chunks/txt/d2360acc1850f937ff88f25fdd217f395c94b32520d26523d143a3e8f10aba33.txt new file mode 100644 index 0000000000000000000000000000000000000000..97943eac3449dcecdbedd8cf68b9163fc6b22e3d --- /dev/null +++ b/chunks/txt/d2360acc1850f937ff88f25fdd217f395c94b32520d26523d143a3e8f10aba33.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/731","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/d23a1d169586c2802215bea4dbb88f46e193f493e1e01c393e84ae51891734f1.txt b/chunks/txt/d23a1d169586c2802215bea4dbb88f46e193f493e1e01c393e84ae51891734f1.txt new file mode 100644 index 0000000000000000000000000000000000000000..bee334c4452a47990a56eb91ed017668bc41aed0 --- /dev/null +++ b/chunks/txt/d23a1d169586c2802215bea4dbb88f46e193f493e1e01c393e84ae51891734f1.txt @@ -0,0 +1,91 @@ +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@Property +NeighborhoodLocationType='Suburban'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@Property +NeighborhoodLocationType='Rural'] + +8 + +8 + +8 + +Enumerated + +Enumerated + +Enumerated + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Builtup +RangeType='Over75Percent'] + +14 + +Enumerated + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Builtup +RangeType='25To75Percent'] + +14 + +Enumerated + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Builtup +RangeType='Under25Percent'] + +14 + +Enumerated + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Growth +PaceType='Rapid'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Growth +PaceType='Stable'] + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Growth +PaceType='Slow'] + +Neighborhood +Property Value +Trend Type +Neighborhood +Property Value +Trend Type +Neighborhood +Property Value +Trend Type +Neighborhood +Demand Supply +Type +Neighborhood +Demand Supply +Type + +Specifies the current trend of property +values in the neighborhood. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Property +ValueTrendType='Increasing'] + +Specifies the current trend of property +values in the neighborhood. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Property +ValueTrendType='Stable'] + +Specifies the current trend of property +values in the neighborhood. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Property +ValueTrendType='Declining'] + +Specifies the state of market demand +versus the supply of properties in the +neighborhood. +Specifies the state of market demand +versus the supply of properties in the +neighborhood. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Demand +SupplyType='Shortage'] diff --git a/chunks/txt/d24964afc04fb52ca926ecb124f5232b438d65b887ae1c5d1b31fcc3408e2175.txt b/chunks/txt/d24964afc04fb52ca926ecb124f5232b438d65b887ae1c5d1b31fcc3408e2175.txt new file mode 100644 index 0000000000000000000000000000000000000000..a71bde6b0bec32671d7a4afaa7980fe889c10bd6 --- /dev/null +++ b/chunks/txt/d24964afc04fb52ca926ecb124f5232b438d65b887ae1c5d1b31fcc3408e2175.txt @@ -0,0 +1,81 @@ +Traditional Appraisal or Exterior Appraisal, Effective Date of Appraisal is +the date of inspection. +Hybrid Appraisal or Desktop Appraisal, Effective Date of Appraisal is the +date the appraiser develops the opinion of value. + +• + +26.012 + +FHA REO +Insurability Level + +Required for FHA +appraisals when +Assignment Reason is +REO + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Insurable +Insurable With Repair Escrow +Uninsurable + +• +• +• +Reference the appropriate government agency appraisal guidelines for more +information. + +Client Requested Conditions + +The Client Requested Conditions subsection displays when Additional Client Requested Conditions is Yes. +Examples of when this subsection could be used include: +• REO (see Examples: Client Requested Conditions) +• Quick sale (liquidation) value (see Examples: Client Requested Conditions) +• Resale restrictions (e.g., affordable housing units) +• + +Loan programs that require a Subject To and As Is value (see Examples: Client Requested Conditions) + +The “When to Include” column in this subchapter references appraisals for which Additional Client Requested +Conditions is Yes. + +Report +Field ID + +Not on +Report + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Reconciliation: Client Requested Conditions + +Always required + +Yes | No + +This is an +appraiser input +that does not +display + +Additional Client Requested Conditions +• + +Yes (The Client Requested Conditions subsection is included in the +Reconciliation section) +No (The Client Requested Conditions subsection is not included in the +Reconciliation section) diff --git a/chunks/txt/d2564b190b0b14be6a9319629bf50d91c24d2d856b5f3c758bf31bf87f077612.txt b/chunks/txt/d2564b190b0b14be6a9319629bf50d91c24d2d856b5f3c758bf31bf87f077612.txt new file mode 100644 index 0000000000000000000000000000000000000000..27e1cf07651236731feb004af610fa2e3e58998a --- /dev/null +++ b/chunks/txt/d2564b190b0b14be6a9319629bf50d91c24d2d856b5f3c758bf31bf87f077612.txt @@ -0,0 +1,226 @@ +Sales Comparison Approach + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +General Information + +Property Address + +1234 Anywhere Pl +Anywhere, MD 20854 + +6543 Anywhere Pl +Anywhere, MD 20854 + +3245 Nowhere Pl +Anywhere, MD 20854 + +3214 Somewhere Pl +Anywhere, MD 20854 + +This is where the +Subject Property photo +would display. + +This is where the +Comparable 1 photo +would display. + +This is where the +Comparable 2 photo +would display. + +This is where the +Comparable 3 photo +would display. + +MLS XXXXX | Assessor Record MLS XXXXX | Assessor Record MLS XXXXX | Assessor Record + +$875,000 + +Pending + +$866,000 + +No + +04/10/2019 + +30 + +Attached + +Fee Simple + +0.09 Miles N + +$875,000 + +Settled Sale + +— + +$870,000 + +$0 + +$0 + +No + +04/01/2019 + +05/01/2019 + +49 + +Attached + +Fee Simple + +No + +04/08/2019 + +05/08/2019 + +29 + +Attached + +Fee Simple + +1,765 Sq. Ft. + +1,764 Sq. Ft. + +$0 + +1,103 Sq. Ft. + +0.12 Miles N + +$799,900 + +Settled Sale + +— + +$780,000 + +0.03 Miles SW + +$840,000 + +Settled Sale + +— + +$835,000 + +$0 + +$0 + +$0 + +$0 + +No + +06/09/2019 + +07/09/2019 + +52 + +Attached + +Fee Simple + +2,111 Sq. Ft. + +Busy Roadway +| Park + +Residential | Full +Commercial +| Partial + +$0 + +$0 + +$0 + +$0 + +Site Influence (Location) + +Busy Roadway | Park + +Busy Roadway +| Park + +View | Range + +Residential | Full + +Residential | Full + +Busy Roadway +| Park + +Residential | Full +Commercial +| Partial + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Site + +Site Size + +Dwelling(s) + +Year Built + +2016 + +2015 + +$0 + +2017 + +$0 + +Structure Design diff --git a/chunks/txt/d25d7232d2e3e6c1250b31e9d5bb9cb670f276ebf2ce983901aa985c7e90fa07.txt b/chunks/txt/d25d7232d2e3e6c1250b31e9d5bb9cb670f276ebf2ce983901aa985c7e90fa07.txt new file mode 100644 index 0000000000000000000000000000000000000000..7efe822e83c085cae84bf989b805d155a834509b --- /dev/null +++ b/chunks/txt/d25d7232d2e3e6c1250b31e9d5bb9cb670f276ebf2ce983901aa985c7e90fa07.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/mirs" +date_accessed: "2026-01-27T17:54:20.626Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/d2605bc98e53c2abf13fb223beb10e1d1d1cb83db76f72a93f1f56c678c44996.txt b/chunks/txt/d2605bc98e53c2abf13fb223beb10e1d1d1cb83db76f72a93f1f56c678c44996.txt new file mode 100644 index 0000000000000000000000000000000000000000..080e7452d20d304489a842ca289a2e21369792d2 --- /dev/null +++ b/chunks/txt/d2605bc98e53c2abf13fb223beb10e1d1d1cb83db76f72a93f1f56c678c44996.txt @@ -0,0 +1,352 @@ +T + +R + +R + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +R + +R + +UAD Consolidated Schema Matrix +Appendix B: GSE Appraisal Forms Mapping + +Page 7 of 211 + +Document Version 1.4 + +MISMO Data Point Name + +1004/70 + +1004 +Hybrid/ +70H + +1004 +Desktop/ +70D + +2055 + +1073/465 + +1073 +Hybrid/ +465H + +1073 +Desktop/ +465D + +1075/466 + +.PROPERTY +Property Street Address** + +Property City** + +Property State** + +Property Postal Code** + +Property County** + +Property Current Occupancy Type** + +Property Rights Type** + +Property Rights Type Other Description** + +.PROPERTY +.._IDENTIFICATION +Census Tract Identifier + +Map Reference Identifier + +.PROPERTY +.._IDENTIFICATION +...PROPERTY_IDENTIFICATION_EXTENSION +.…PROPERTY_IDENTIFICATION_EXTENSION_SECTION +Extension Section Organization Name +…..PROPERTY_IDENTIFICATION_EXTENSION_SECTION_DATA +……PARCEL_IDENTIFIER +GSE Assessors Parcel Identifier + +.PROPERTY +.._LEGAL_DESCRIPTION +Property Legal Description Type** + +Property Legal Description Type Other Description** + +Property Legal Description Text Description** + +.PROPERTY +..STRUCTURE +Property Structure Built Year + +Building Status Type + +Structure Design Description** + +R + +R + +R + +R + +T + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +R + +R + +R + +R + +T + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +R + +R + +R + +R + +T + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +R + +R + +R + +R + +T + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +Structure Heating Cooling Metered Separately Indicator** + +Structure Heating Cooling Metered Separately Description** + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +R + +R + +R + +R + +T + +CR + +T + +T + +T diff --git a/chunks/txt/d2642556b21f6002b1d803f05cd2c615f7dd1ecf3c46933c56aa9d68b54dcfdc.txt b/chunks/txt/d2642556b21f6002b1d803f05cd2c615f7dd1ecf3c46933c56aa9d68b54dcfdc.txt new file mode 100644 index 0000000000000000000000000000000000000000..7b86736033e0cc35bc6113bcb44914ad75577bd7 --- /dev/null +++ b/chunks/txt/d2642556b21f6002b1d803f05cd2c615f7dd1ecf3c46933c56aa9d68b54dcfdc.txt @@ -0,0 +1,100 @@ +19.0 + +19.1 NO + +Adjustable Payment (AP) Table +Interest Only Payments? +Optional Payments? +Step Payments? +Seasonal Payments? +Period Principal and Interest Payments +First Change/Amount +Subsequent Changes +Maximum Payment + +19.4 NO + +Adjustable Interest Rate (AIR) Table 20.0 +Index + Margin +Initial Interest Rate +Minimum/Maximum Interest Rate +Change Frequency + First Change + Subsequent Changes +Limits on Interest Rate Changes + First Change + Subsequent Changes + +20.6 % +20.7 % + +20.1.1 Index Name + 20.1.2 % +20.2 % +20.3.1 % Min / 20.3.2 % Max + +20.4 n Month after Note Date +20.5 n Month after First Change + +CLOSING DISCLOSURE + +PAGE 4 OF 5 ▪ LOAN ID # + +Uniform Closing Dataset v2.0 + +Numbered Alternate Disclosure + +Loan Calculations + +21.0 + +Total of Payments. Total you will have paid after +you make all payments of principal, interest, +mortgage insurance, and loan costs, as scheduled. + +21.1 + +Finance Charge. The dollar amount the loan will +cost you. + +21.2 + +Amount Financed. The loan amount available after +paying your upfront finance charge. + +21.3 + +Annual Percentage Rate (APR). Your costs over +the loan term expressed as a rate. This is not your +interest rate. + +Total Interest Percentage (TIP). The total amount +of interest that you will pay over the loan term as a +percentage of your loan amount. + +21.4 + +21.5 + +$ + +$ + +$ + +% + +% + +? + +Questions? If you have questions about the loan +terms or costs on this form, use the contact +information below. To get more information +or make a complaint, contact the Consumer +Financial Protection Bureau at +www.consumerfinance.gov/mortgage-closing + +Other Disclosures + Appraisal + +22.0 diff --git a/chunks/txt/d270d2bbbfbe248913a868bd57409271a1cd222333ffca0fa35f4220f4cf4c28.txt b/chunks/txt/d270d2bbbfbe248913a868bd57409271a1cd222333ffca0fa35f4220f4cf4c28.txt new file mode 100644 index 0000000000000000000000000000000000000000..2626904492a5d023358e10ed982ef4c84e63484b --- /dev/null +++ b/chunks/txt/d270d2bbbfbe248913a868bd57409271a1cd222333ffca0fa35f4220f4cf4c28.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/collateral-pledged-to-fhlbanks" +date_accessed: "2026-01-27T17:54:20.666Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/d28438ed06a5f4e6f17f1334590318ba95922967afd7e0ddc41688f24959d3eb.txt b/chunks/txt/d28438ed06a5f4e6f17f1334590318ba95922967afd7e0ddc41688f24959d3eb.txt new file mode 100644 index 0000000000000000000000000000000000000000..bc5e77513b4b912efb6b3fb8247325a7405dc7bf --- /dev/null +++ b/chunks/txt/d28438ed06a5f4e6f17f1334590318ba95922967afd7e0ddc41688f24959d3eb.txt @@ -0,0 +1,94 @@ +Financial Sales Concessions + +Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property + +Known Sales Concessions + +No + +Sales Contract Analysis + +The contract was accepted 8/23/2019; the buyer has deposited a check in the amount of $10,000. + +Prior Sale and Transfer History + +Subject Transfer History + +Prior sales and/or transfers of the subject property (minimum 3 year look back) +Prior Sales or Transfers + +Data Source + +None +MLS + +Analysis of Prior Sale and Transfer History of Subject Property A search of local MLS reveal no recent listings or transfers of the subject +property. + +Comparable Transfer History + +Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back) +# +1 + +Transfer Terms +Typically Motivated + +Data Source +MLS + +Date +10/28/2018 + +Amount +$545,000 + +2 + +3 + +None + +None + +MLS + +MLS + +Analysis of Prior Sale and Transfer History of Comparable Sales Comp #1’s prior transfer indicates an increasing market (to its most recent +sale price) as documented in the Market section of this report. + +Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1) + +Uniform Residential Appraisal Report + +Page 12 of 18 +Page 12 of 18 + +New Pg + +Sales Comparison Approach + +General Information + +Property Address + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +700 1st Ave, NW +Unit 1206 +Washington, DC 20001 + +700 1st Ave, NW +Unit 1211 +Washington, DC 20001 + +700 1st Ave, NW +Unit 1103 +Washington, DC 20001 diff --git a/chunks/txt/d2871fb5ae45cbd2bfd80a7d1b9c00e95bc0cbb5d4c89e8f8589f383a8679f35.txt b/chunks/txt/d2871fb5ae45cbd2bfd80a7d1b9c00e95bc0cbb5d4c89e8f8589f383a8679f35.txt new file mode 100644 index 0000000000000000000000000000000000000000..ecc3b715cf522fde4065cd0baf06fd5fa8ef8c95 --- /dev/null +++ b/chunks/txt/d2871fb5ae45cbd2bfd80a7d1b9c00e95bc0cbb5d4c89e8f8589f383a8679f35.txt @@ -0,0 +1,79 @@ +Common Carport + +A covered structure that offers limited vehicular protection with two or fewer walls. It may be free standing or attached to +a structure and is shared and available within the condominium, cooperative, condop, or PUD. + +Appendix F-1: URAR Reference Guide + +Page 161 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +13 Vehicle Storage + +Allowable Answer + +Definition / Additional Guidance + +Vehicle Storage Type + +Driveway + +Garage + +Open Lot + +Parking Garage + +Shared Driveway + +Other (Describe) + +An improved surface providing vehicular access. +Note: Do not select this answer for shared driveways. + +An enclosed structure designed for storing vehicles. + +An open and improved surface area that is specifically designed for vehicle storage for use within the condominium, +cooperative, condop, or PUD. + +An enclosed area for storing vehicles that is intended to support multiple units for use within the condominium, +cooperative, condop, or PUD. + +An improved surface providing vehicular access, jointly owned by the owners of the properties to which it gives access. + +Select Other to enter an answer that is not in the above list. +Examples: +• +• + +Permitted street parking from the municipality, but not specific to unit. +Enclosed golf cart or motorcycle parking. + +Information For Each Vehicle Storage Type + +The Vehicle Storage table displays when there is vehicle storage on the property. + +Vehicle Storage – Information for each Vehicle Storage Type + +Report +Field ID + +Report Label + +When to Include + +13.002 Number of + +Parking Spaces + +13.002 Number of + +Parking Spaces + +Required if Vehicle +Storage Type is +Driveway or Shared +Driveway diff --git a/chunks/txt/d28a1cf8fd2e26934ea4745cca5b5a7c4b678882508bfb86e70da20ad03c693c.txt b/chunks/txt/d28a1cf8fd2e26934ea4745cca5b5a7c4b678882508bfb86e70da20ad03c693c.txt new file mode 100644 index 0000000000000000000000000000000000000000..cf715be5308dcad0222b7b0580e5ea579074ad82 --- /dev/null +++ b/chunks/txt/d28a1cf8fd2e26934ea4745cca5b5a7c4b678882508bfb86e70da20ad03c693c.txt @@ -0,0 +1,33 @@ +[### Appendix F-3: Completion Report Reference Guide + +This document provides guidance on how to enter information and how the data will be displayed in the Completion Report.](/docs/pdf/appendix-f-3-completion-report-reference-guide.pdf) + +[### Appendix H-3: UAD Compliance Rules - Completion Report + +This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.](/docs/xlsx/appendix-h-3-uad-compliance-rules-completion-report.xlsx) + +## Legacy Resources + +- [Legacy UAD Overview](/docs/pdf/fact-sheet/uniform_appraisal_dataset_879.pdf) + - [Legacy UAD Specification](/docs/pdf/requirements/uad_specification.pdf) + - [Legacy UAD Appendix A: GSE Appraisal Forms Mapping](/docs/pdf/requirements/uad_appendix_a_gse_appraisal_forms_mapping.pdf) + - [Legacy UAD Appendix B: GSE Appraisal Forms Mapping](/docs/xls/fact-sheet/uad_appendix_b_gse_appraisal_forms_mapping.xls) + - [Legacy UAD Appendix C: Appraisal Forms with Numbered Fields](/docs/zip/forms/uad_appendix_c_appraisal_forms_with_numbered_fields.zip) + - [Legacy UAD Appendix D: Field-Specific Standardization Requirements](/docs/pdf/requirements/uad_appendix_d_field_specific_standardization_requirements.pdf) + - [Legacy UAD Compliance Rules](/docs/xls/requirements/uadcompliancerules.xls) + +## Recent Announcements + +### 2026 + +- January 22, 2026 – [Joint GSE Announcement](/docs/pdf/announcement_uad_january-2026.pdf) +### 2025 + +- October 21, 2025 – [Joint GSE Announcement](/docs/pdf/joint-gse-announcement-inspection-and-reporting-tips.pdf) +- September 16, 2025 – [Joint GSE Announcement](/docs/pdf/urarupdatecompletionrulesannouncement.pdf) +- September 8, 2025 – [Joint GSE Announcement](/docs/pdf/lpplaunch_sept-2025-announcement.pdf) +- August 5, 2025 – [Joint GSE Announcement](/docs/pdf/uad-announcement-lpp.pdf) +- June 10, 2025 – [Joint GSE Announcement](/docs/pdf/uad-announcement-06-10-25.pdf) +- April 30, 2025 – [Joint GSE Announcement](/docs/pdf/uad-announcement-04-30-25.pdf) +- February 11, 2025 – [Joint GSE Announcement](https://sf.freddiemac.com/docs/pdf/lppannouncement_02_2025.pdf) +### 2024 diff --git a/chunks/txt/d299d92b16f1a9076e7a4ff5fbd66f257b26ed8f738fa857781e7aa74f31f1a6.txt b/chunks/txt/d299d92b16f1a9076e7a4ff5fbd66f257b26ed8f738fa857781e7aa74f31f1a6.txt new file mode 100644 index 0000000000000000000000000000000000000000..feafeee9dc0726ccc7bbfbbffa7ea5e4a88b94f1 --- /dev/null +++ b/chunks/txt/d299d92b16f1a9076e7a4ff5fbd66f257b26ed8f738fa857781e7aa74f31f1a6.txt @@ -0,0 +1,24 @@ +▪ No changes should be required to adopt these + +updates as they have already been implemented. + +Additional +Information + +▪ UCD v2.0 Tab 7 - +UCD v2.0, Critical +Edits Matrix Phase +column N. + +▪ UCD v2.0 Tab 4b- +Revision Log v1.5- +v2.0 + +© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners. + +December 2025 + +9 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by +Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency. diff --git a/chunks/txt/d2a516f75fa527af119288471280acc84871ddec7b42b879a0e7512e9dcf3331.txt b/chunks/txt/d2a516f75fa527af119288471280acc84871ddec7b42b879a0e7512e9dcf3331.txt new file mode 100644 index 0000000000000000000000000000000000000000..09eb16ca11c25b8ba817f457527889d6bfe2ea61 --- /dev/null +++ b/chunks/txt/d2a516f75fa527af119288471280acc84871ddec7b42b879a0e7512e9dcf3331.txt @@ -0,0 +1,7 @@ +Project Information ....................................................................................................................................... 55 + +Cooperative Information (H1) ............................................................................................................................ 55 + +Project Factors and Impact to Value/Marketability (H1) ................................................................................... 56 + +Project Information Commentary (H1) ............................................................................................................... 57 diff --git a/chunks/txt/d2ac5ec0aa4c6740960d3b948ba8d7b4b53d4ea348c6c287e995643d0ee14cb5.txt b/chunks/txt/d2ac5ec0aa4c6740960d3b948ba8d7b4b53d4ea348c6c287e995643d0ee14cb5.txt new file mode 100644 index 0000000000000000000000000000000000000000..de895b2287c6609d5971ccaf6b80ee5f3880bc29 --- /dev/null +++ b/chunks/txt/d2ac5ec0aa4c6740960d3b948ba8d7b4b53d4ea348c6c287e995643d0ee14cb5.txt @@ -0,0 +1,32 @@ +Limited Production Readiness Overview for Lenders + +August 5, 2025 + +This overview and the Uniform Appraisal Dataset (UAD) 3.6 Lender Readiness Questionnaire (the Questionnaire) +are designed to help lenders prepare for and successfully navigate the Limited Production Period of the UAD 3.6 +and Forms Redesign initiative. Below are answers to commonly asked questions about the UAD 3.6 Limited +Production Period, including how to assess readiness, request participation, and obtain participation approval. + +Overview + +What is the Limited Production Period? + +The Limited Production Period is not “testing”. It’s a chance for you to be one of the first lenders to use the new +UAD 3.6 and redesigned Uniform Residential Appraisal Report (URAR) in the production environment with your +vendors and appraisers – prior to its broad industry availability. This means you’ll experience the advantages of the +new UAD 3.6 and redesigned URAR before other lenders and will provide critical feedback to Freddie Mac and +Fannie Mae (the GSEs) ahead of the Broad Production Period. + +What are the benefits of participating in the Limited Production Period? + +As a participant in the Limited Production Period, you can take advantage of the following UAD 3.6 benefits before +others in the industry: + +• One URAR and one UAD for all Single-Family property types – take advantage of the redesigned URAR + +and expanded scope of UAD 3.6 which encompasses all property types. + +• Minimize review times and increase productivity – the new UAD and redesigned URAR facilitates a + +more efficient review. By participating in the Limited Production Period, your staff will become familiar with +the new UAD 3.6 and redesigned URAR, and you’ll reap the benefits sooner. diff --git a/chunks/txt/d2b516cd2e0d3b99a6f9b55d22e556a63015ce15b002f2e062edc4ed38efd378.txt b/chunks/txt/d2b516cd2e0d3b99a6f9b55d22e556a63015ce15b002f2e062edc4ed38efd378.txt new file mode 100644 index 0000000000000000000000000000000000000000..b8e2ad9dad6c399de0be681095fc297bc0988825 --- /dev/null +++ b/chunks/txt/d2b516cd2e0d3b99a6f9b55d22e556a63015ce15b002f2e062edc4ed38efd378.txt @@ -0,0 +1,37 @@ +[Learn more **](/originating-underwriting/mortgage-products/homestyle-renovation) + +##### MH Advantage + +See how our innovative offerings, including MH Advantage®, can support affordable alternatives to site-built homes. + +[Learn more **](/originating-underwriting/mortgage-products/manufactured-home-financing) + +##### HomeStyle Refresh + +Whether purchasing a home or refinancing their current one, help your borrowers finance upgrades to improve the comfort and safety of their homes with a HomeStyle® Refresh mortgage. + +[Learn more **](/originating-underwriting/mortgage-products/homestyle-refresh-mortgage) + +### Featured Applications + +##### Desktop Underwriter + +Desktop Underwriter® (DU®) – the industry-leading underwriting system – helps lenders efficiently complete credit risk assessments to establish a home loan’s eligibility for sale and delivery to Fannie Mae. + +[Learn More **](/applications-technology/desktop-underwriter-desktop-originator) + +##### Servicing Marketplace + +Servicing Marketplace, available in Pricing & Execution – Whole Loan®, brings together lenders and servicing buyers to increase transparency and operational efficiency. + +[Learn More **](/applications-technology/servicing-marketplace) + +##### Fannie Mae Connect + +Fannie Mae Connect™ is a source for data, reporting and analytics, providing lenders full visibility into their business transactions with Fannie Mae. + +[Learn More **](/applications-technology/fannie-mae-connect) + +## In the fast-paced mortgage industry, staying competitive means seizing every opportunity. + +We continue to invest in our technology solutions and process automation to keep your business moving forward. diff --git a/chunks/txt/d2be5bd0d0e697c770b9a2c4faa364177c63a101442fd1f1c86a07d2d25d8361.txt b/chunks/txt/d2be5bd0d0e697c770b9a2c4faa364177c63a101442fd1f1c86a07d2d25d8361.txt new file mode 100644 index 0000000000000000000000000000000000000000..711489de17d8a1e93f0953e79938b3477dcc40ee --- /dev/null +++ b/chunks/txt/d2be5bd0d0e697c770b9a2c4faa364177c63a101442fd1f1c86a07d2d25d8361.txt @@ -0,0 +1,44 @@ +Each Fannie Mae appraisal report includes an appraiser’s certification (and, if applicable, a supervisory appraiser’s certification) +and a statement of assumptions and limiting conditions. Appraisers may not add limiting conditions. +The appraiser may not make changes or deletions to the existing certifications; however, the appraiser may supplement or make +additional certifications. Acceptable additional certifications might include: + +• +• +• + +those required by state law; +those related to the appraiser’s continuing education or membership in an appraisal organization; or +those related to the appraiser’s compliance with privacy laws and regulations in the development, reporting, and storage +of an appraisal and the information on which it is based. + +Lenders are responsible for reviewing any additional certifications made by appraisers to ensure that they do not conflict with +Fannie Mae’s policies or standard certifications in the appraisal report. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 58 of 166 + +UAD 3.6 Policy + +SB4-1.2-02, Desktop Appraisals (12/10/2025) + +Introduction + +This topic contains information on desktop appraisals, including: + +• Overview +• Completing the Desktop Appraisal +• +• +• Representations and Warranties + +Eligible Transactions +Ineligible Transactions + +Overview + +For certain loan casefiles, DU offers desktop appraisals. A desktop appraisal reported on the Uniform Residential Appraisal Report +is permitted for certain transactions. The minimum scope of work for a desktop appraisal includes using third party data sources, +other than a property data collection, in lieu of an appraiser performing an on-site personal inspection. The appraiser relies on +data obtained from alternative methods or sources to identify property characteristics, including condition. diff --git a/chunks/txt/d2cdcc292bf0ede7f8672f768d7b8c6bcb98652a082c6af6e116e4e756cbca2b.txt b/chunks/txt/d2cdcc292bf0ede7f8672f768d7b8c6bcb98652a082c6af6e116e4e756cbca2b.txt new file mode 100644 index 0000000000000000000000000000000000000000..855327d3c1a53c1db99d3577370aa0fb3ee0dc44 --- /dev/null +++ b/chunks/txt/d2cdcc292bf0ede7f8672f768d7b8c6bcb98652a082c6af6e116e4e756cbca2b.txt @@ -0,0 +1,66 @@ +The lender also must retain in the loan file a certification regarding the adequacy of the property insurance following completion +of the renovation. The certification must confirm the coverage has been increased, if necessary, to comply with Fannie Mae’s +standard property and flood insurance requirements. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 176 of 166 + +UAD 3.6 Policy + +SB5-3.3-01, HomeStyle Refresh for Improvements on Existing Properties +(12/10/2025) + +Introduction + +This topic contains information concerning mortgage loans on existing properties where renovation improvements are part +of the transaction, including: + +• Overview + +• Product Eligibility + +• + +• + +Eligible Property and Occupancy Types + +Eligible Improvements + +• Calculating LTV and Maximum Renovation Amount + +• + +Lender Responsibilities + +• Appraisal Requirements + +• + +• + +Title and Insurance Updates + +Special Feature Code + +• Manual Underwriting + +• Uniform Appraisal Dataset (UAD) 3.6 Policy + +Overview + +HomeStyle Refresh provides borrowers with a financing option for smaller-scale home improvements, including + +• energy- or water- efficiency upgrades, +• environmental remediation, +• disaster preparedness or resiliency improvement, or +• + +repairs needed due to a natural or environmental disaster of an existing property. + +A lender does not need special approval to deliver HomeStyle Refresh loans to Fannie Mae. These loans are delivered with +recourse, which may be removed once the lender provides proof of completion, and the loan remains current. + +A lender may deliver a HomeStyle Refresh loan with eligible improvements as soon as the loan is closed. The eligible +improvements do not have to be completed when the mortgage is delivered to Fannie Mae. diff --git a/chunks/txt/d2ce50d243a817d1210ccb9fcd1b7fab2446dd86d2a21cda878dc453c0e8f685.txt b/chunks/txt/d2ce50d243a817d1210ccb9fcd1b7fab2446dd86d2a21cda878dc453c0e8f685.txt new file mode 100644 index 0000000000000000000000000000000000000000..9dba9265cd53eb53b1b8fcf83657fc4b495012c8 --- /dev/null +++ b/chunks/txt/d2ce50d243a817d1210ccb9fcd1b7fab2446dd86d2a21cda878dc453c0e8f685.txt @@ -0,0 +1,31 @@ +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 22 of 22 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. + +25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the +mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data +collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any +state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to +store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain +the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A +person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as +an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to +the mortgage finance transaction and related activities for which this appraisal report was prepared. diff --git a/chunks/txt/d2d55843d5aaf1a93d6efc52efa9ba902ade579ba9c5491def904277ddb0d8ec.txt b/chunks/txt/d2d55843d5aaf1a93d6efc52efa9ba902ade579ba9c5491def904277ddb0d8ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..5a6fcd005aa7a990f3e825f714398bce313bc702 --- /dev/null +++ b/chunks/txt/d2d55843d5aaf1a93d6efc52efa9ba902ade579ba9c5491def904277ddb0d8ec.txt @@ -0,0 +1,26 @@ +August 18, 2021 + +## [The Size of the Affordable Mortgage Market: 2022-2024 Enterprise Single Family Housing Goals](/research/papers/2022-2024-enterprise-single-family-housing-goals) + +Author: ​​Ken Lam, Omena Ubogu, Jay Schultz, and Padmasini Raman In establishing benchmarks for the single-family home purchase housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. This FHFA... + - Briefs, Notes & White Papers + +May 21, 2020 + +## [FHFA Mortgage Analytics Platform (Version 2.0)](/research/papers/fhfa-mortgage-analytics-platform-version-2) + +This version of the white paper incorporates the following two major updates to the FHFA Mortgage Analytics Platform: + +Re-estimated performing loan equations for 30-year fixed rate, 15-year fixed rate, and 5/1 adjustable-rate mortgages. The re-estimated equations incorporated new explanatory... + - Briefs, Notes & White Papers + +January 25, 2018 + +## [The Size of the Affordable Mortgage Market: 2018-2020 Enterprise Single-Family Housing Goals](/research/papers/2018-2020-enterprise-single-family-housing-goals) + +Author: ​Ken Lam, Jay Schultz, and Padmasini Raman ​In establishing benchmarks for the single-family home purchase housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. FHFA has recently... + - Briefs, Notes & White Papers + +August 19, 2015 + +## [The Size of the Affordable Mortgage Market: 2015-2017 Enterprise Single-Family Housing Goals](/research/papers/2015-2017-enterprise-single-family-housing-goals) diff --git a/chunks/txt/d2ea5b585e79d3d3904de6a675382a1a25ec6fb32d565b04499c3ec5f26075b6.txt b/chunks/txt/d2ea5b585e79d3d3904de6a675382a1a25ec6fb32d565b04499c3ec5f26075b6.txt new file mode 100644 index 0000000000000000000000000000000000000000..01f5f4da8ef732e57cdf7d0f7aa0e0acdd0e0e40 --- /dev/null +++ b/chunks/txt/d2ea5b585e79d3d3904de6a675382a1a25ec6fb32d565b04499c3ec5f26075b6.txt @@ -0,0 +1,99 @@ +Page 1 of 5 + +Column +31 SellType + +32 NumBor +33 First + +34 CICA + +35 BoRace + +36 CoRace + +37 BoSex + +38 CoSex + +39 BoAge + +40 CoAge + +41 Occup + +42 NumUnits +43 Bed1 + +44 Bed2 + +45 Bed3 + +46 Bed4 + +47 Aff1 + +48 Aff2 + +AMA_PUDB_Definitions_123114.xlsx + +Definition +Type of Acquiring Lender Institution +1=Insured depository institution; +2=Housing Associate; +3=Insurance Company +Number of Borrowers +First Time Home Buyer +1=yes; +2=no +Code indicating whether the mortgage is on a project funded under an AHP, CIP or other +CICA program. +1=AHP; +2=CIP; +3=Other CICA +9=Not Applicable; Not Purchased under AHP, CIP, or CICA +Borrower Race or National Origin +1=American Indian or Alaskan Native; +2=Asian; +3=Black or African American; +4=Native Hawaiian or Other Pacific Islander; +5=White; +7=Information not provided by applicant in mail or telephone application +Co-borrower Race or National Origin +1=American Indian or Alaskan Native; +2=Asian; +3=Black or African American; +4=Native Hawaiian or Other Pacific Islander; +5=White; +7=Information not provided by applicant in mail or telephone application; +8=No Co-Borrower +Borrower Sex +1=Male; +2=Female; +3=Information not provided by applicant in mail or telephone application +Co-Borrower Sex +1=Male; +2=Female; +3=Information not provided by applicant in mail or telephone application; +4=No Co-Borrower +Age of Borrower in years +99=Not provided by applicant in mail or telephone application +Age of Co-Borrower in years +98=No Co-Borrower; +99=Not provided by applicant in mail or telephone application +Occupancy Code +1=Principal residence/owner-occupied; +2=second home; +3=investment property (rental) +Number of Units +Unit1--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit2--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit3--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit4--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit1--Affordable Category meets the housing goals implemented by HERA Section 1205 +1=yes; +2=no diff --git a/chunks/txt/d2eb7fbdf09a3e7cc2b15ed6115437867d070bb99c0f59d3b55dced60f9673ad.txt b/chunks/txt/d2eb7fbdf09a3e7cc2b15ed6115437867d070bb99c0f59d3b55dced60f9673ad.txt new file mode 100644 index 0000000000000000000000000000000000000000..467895592098f909e5a5f1c553d4db40e5c0bbd2 --- /dev/null +++ b/chunks/txt/d2eb7fbdf09a3e7cc2b15ed6115437867d070bb99c0f59d3b55dced60f9673ad.txt @@ -0,0 +1,71 @@ +Figure 75. XML Snippet - Example of Data Points Required for ARM Adjusting within First 5 Years. + + +… + + + + + +… + + + +7.0000 +96 +60 +2.0000 +2.0000 + + + +… + + + + + + +AdjustableRate + + + + +… + + + + +General + + + +10.1310 + + + + + + + +… + + +UCD v2.0 Implementation Guide + +- 108 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +P. LATE CHARGES + +When a loan payment is past due, overdue payment charge data is collected in UCD v2.0 as either a dollar amount or a +percentage charge of the past due payment amount or both, along with the number of days from the due date after which +a late payment fee will be assessed. The LATE_CHARGE container has been extended to enable more than one late charge +calculation type to be provided in the XML file. + +Table 51. XML File Container Structure for Late Charge Data. diff --git a/chunks/txt/d2fc57c2be08b0c9477c00d8cdef4ed8ed064b9b0125ba64fe73f1a4cac7660f.txt b/chunks/txt/d2fc57c2be08b0c9477c00d8cdef4ed8ed064b9b0125ba64fe73f1a4cac7660f.txt new file mode 100644 index 0000000000000000000000000000000000000000..027f9b41dadbc3d961b73d8b28fbab4d478ebd79 --- /dev/null +++ b/chunks/txt/d2fc57c2be08b0c9477c00d8cdef4ed8ed064b9b0125ba64fe73f1a4cac7660f.txt @@ -0,0 +1,171 @@ +Yes No +  +  +  +  +  +  +  + +  + +Ownership Rights + +Property Rights Appraised + +Fee Simple + +All Rights Included in Appraisal + +Yes + +Legal Description + +Lot 2 Block A Bighorn Ranch + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2 + +Uniform Residential Appraisal Report + +Page 3 of 26 +Page 3 of 26 + +Site + +Total Site Size + +21,000 Sq. Ft. + +Number of Parcels + +1 + +Assessor Parcel Number (APN) +WES1932 + +APN Description + Land with Dwelling + +Parcel Size +21,000 Sq. Ft. + +Zoning + +Compliance +Classification Code +Classification Code Description + +Legal +MF-3 + Residential - Multi Family +district + +Property Use + +Non-Residential Use + +None + +Site Influence + +Influence +Busy Roadway + +Proximity +Bordering + +Detail + +Residential + +Bordering + +View and Impact to Value/Marketability + +Property Access +Primary Access +Street Type and Surface +Typical for Market + +Public Street +Local Road | Asphalt +Yes + +Impact +Adverse + +Neutral + +Comment +Properties such as this in +this market area are typically +located on busy roadways. + +View +Residential + +Range of View +Full + +Impact +Neutral + +Site Features and Impact to Value/Marketability + +Feature +Hazard Zone + +Detail +No Hazard Zone Noted + +Utilities and Impact to Value/Marketability + +Broadband Internet Available + +Yes + +Impact + +Comment + +Private + +Detail + +Private Utility +Impact + +Comment + +Electricity + +Gas + +Sanitary Sewer + +Water + +Public + + + + + +If more + +than 1 + +Unit-- + +different + +set up + +Apparent Defects, Damages, Deficiencies (Site) + +None + +Site Exhibits + +Property Access (Street Scene) - Site Influence - Busy +Roadway, Residential - View - Residential diff --git a/chunks/txt/d3065604b8450a350a9de1d81cd6a8bd4f52684addc90d39d6071443a7fbcb94.txt b/chunks/txt/d3065604b8450a350a9de1d81cd6a8bd4f52684addc90d39d6071443a7fbcb94.txt new file mode 100644 index 0000000000000000000000000000000000000000..24f1c977a268a0c6529d9a1345722b8bd8d708b9 --- /dev/null +++ b/chunks/txt/d3065604b8450a350a9de1d81cd6a8bd4f52684addc90d39d6071443a7fbcb94.txt @@ -0,0 +1,71 @@ +280 + +281 + +2 + +2 + +e-2 + +51 + +SALES +COMPARISON +APPROACH + +Data Source(s) + +GSE Days On +Market Description + +SALES +COMPARISON +APPROACH + +Verification Source(s) + +Data Source +Verification +Description + +The total number of continuous days from +the date that a property is listed or +advertised for sale through the date that it +is taken off the market or contracted for +sale. +A free-form text field used to describe or +comment on methods or other sources +used to verify the accuracy of the data +source referenced in Data Source +Description + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON_DETAIL/@GSEDataSourceDescription +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI +ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/ +COMPARISON DETAIL/@GSEDaysOnMarketDescription +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@Da +taSourceVerificationDescription + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +27 + +String + +The appraisal report must include the data source(s) utilized for each comparable +sale. When using a MLS as the data source, the MLS organization acronym or +Representation followed by '#' and then the listing identification (numbers and +letters) must be reported. diff --git a/chunks/txt/d3099b311bf100bf8508e98714ae8a167a0ed363cfea87d2cdc46689e7bddf0a.txt b/chunks/txt/d3099b311bf100bf8508e98714ae8a167a0ed363cfea87d2cdc46689e7bddf0a.txt new file mode 100644 index 0000000000000000000000000000000000000000..931df73c335022c192ff3cdde90e2501b50219a6 --- /dev/null +++ b/chunks/txt/d3099b311bf100bf8508e98714ae8a167a0ed363cfea87d2cdc46689e7bddf0a.txt @@ -0,0 +1,24 @@ +DU for Government Loans Integration Impact Memo +January 2025 Release + +Dec. 18, 2024 + +During the weekend of Jan. 25, 2025, Desktop Underwriter® (DU®) for government loans will be updated to support changes +pertaining to FHA and VA loans. + +N O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.” + +Please review this memo, in addition to the Release Notes, to ensure that your integrated system(s) will be prepared to support +this release. + +Release Support + +The DU for government loans release will be implemented in the DU integration environment on or around Jan. 8, 2025. + +If you have questions about the integration impact or if you require support specific to this release, contact your Technology +Integration Analyst or Integration Support. For more information about DU, visit the website or contact your Fannie Mae +representative. + +© 2024 Fannie Mae. Trademarks of Fannie Mae. + +12.18.24 1 of 1 diff --git a/chunks/txt/d30d86ec6c0401dfd78d5ac15c75a28a9c8672edbf2611d364c7187115901924.txt b/chunks/txt/d30d86ec6c0401dfd78d5ac15c75a28a9c8672edbf2611d364c7187115901924.txt new file mode 100644 index 0000000000000000000000000000000000000000..fc22e46771b5c9411fb12a69500b3cba7cee7162 --- /dev/null +++ b/chunks/txt/d30d86ec6c0401dfd78d5ac15c75a28a9c8672edbf2611d364c7187115901924.txt @@ -0,0 +1,22 @@ +5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to +the assumptions and limiting conditions in this appraisal report. + +6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal +report. + +7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in appraising +this type of property in this market area. + +8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax +assessment records, public land records, and other such data sources for the area in which the property is located. + +9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources +that I believe to be true and correct. + +10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable +condition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the +soundness or structural integrity of the property. + +11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were +adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report +was transmitted. diff --git a/chunks/txt/d3125137662bd6242fdb8d99467c487dd861ab5315510243c6e616bee819c993.txt b/chunks/txt/d3125137662bd6242fdb8d99467c487dd861ab5315510243c6e616bee819c993.txt new file mode 100644 index 0000000000000000000000000000000000000000..217da759d736f465fe5ff5664da00c6d6b4d8694 --- /dev/null +++ b/chunks/txt/d3125137662bd6242fdb8d99467c487dd861ab5315510243c6e616bee819c993.txt @@ -0,0 +1,195 @@ +N/A – GSE + +UID +7.087 + +…/HIGH_COST_MO +RTGAGE + +FeePaymentPaidBy +Type + +Buyer + +FeePaymentPaidOu +tsideOfClosingIndic +ator + +RegulationZExclude +dBonaFideDiscount +PointsIndicator + +false + +true + +Represented as +Borrower-Paid +heading on form + +Represented as At +Closing heading on +form + +Not Shown – +ATR/QM + +Appendix E: UCD Implementation Guide + +Page 115 of 254 + +Version 1.4 + +Uniform Closing Dataset + +7.0 Loan Costs Table + +Notes + +Not Shown – +ATR/QM + +Not Shown – +ATR/QM + +ROF as “Loan +Originator +Compensation” + +ID + +UID +7.088 + +Table 95. Origination Charge Line Items + +Form Field / Fee +Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +N/A - GSE + +RegulationZExclude +dBonaFideDiscount +PointsPercent + +n.nnnn + +SECOND INSTANCE OF FEE + +7.3.1 N/A - GSE + +…/FEE/FEE_DETAIL + +FeePaidToType + +ThirdPartyProvider + +7.3 + +Loan Originator +Compensation + +N/A - GSE + +UID +7.080 + +7.3 + +N/A - XML + +7.3.1 + +Loan Originator +Compensation to +TPO, Ltd. + +…/FEE/FEE_PAID_T +O/LEGAL_ENTITY/LE +GAL_ENTITY_DETAI +L + +FeeType + +LoanOriginatorCom +pensation + +@gse:DisplayLabelT +ext + +Loan Originator +Compensation + +RegulationZPointsA +ndFeesIndicator + +Enter value to +comply with Reg Z + +Not Shown – +ATR/QM + +IntegratedDisclosur +eSectionType + +OriginationCharges Not Shown + +FullName + +TPO, Ltd. + +7.3.6 Paid by Others ($) + +…/FEE/FEE_PAYME +NTS/FEE_PAYMENT + +FeeActualPaymentA +mount + +1215.00 + +ROF as “$1,215.00” + +7.3.6 Paid by Others + +FeePaymentPaidBy +Type + +Lender + +7.3 + +Borrower +Application Fee + +7.3 + +N/A - XML + +N/A - GSE + +UID +7.080 + +THIRD INSTANCE OF FEE + +…/FEE/FEE_DETAIL + +FeeType + +ApplicationFee + +@gse:DisplayLabelT +ext + +Borrower +Application Fee diff --git a/chunks/txt/d315abcc487d036a3abe25da45e4dc8a45a21838a43d96c168daefab71ae0dd5.txt b/chunks/txt/d315abcc487d036a3abe25da45e4dc8a45a21838a43d96c168daefab71ae0dd5.txt new file mode 100644 index 0000000000000000000000000000000000000000..f60de28bc263f93fa0a9d13b67fdc615496fe3ba --- /dev/null +++ b/chunks/txt/d315abcc487d036a3abe25da45e4dc8a45a21838a43d96c168daefab71ae0dd5.txt @@ -0,0 +1,27 @@ +Properties with solar panels and other energy efficient items financed with a PACE loan are not eligible for delivery to Fannie Mae +if the PACE loan is not paid in full prior to or at closing. For additional information, see Selling Guide B5-3.4-01, Property Assessed +Clean Energy Loans. + +Lenders are responsible for determining the ownership and any financing structure of the subject property’s solar panels in order +to properly underwrite the loan and maintain first lien position of the mortgage. When financing is involved, lenders may be able +to make this determination by evaluating the borrower’s credit report for solar-related debt and by asking the borrower for a +copy of all related documentation for the loan. The lender must also review the title report to determine if the related debt is +reflected in the land records associated with the subject property. If insufficient documentation is available and the ownership +status of the panels is unclear, no value for the panels may be attributed to the property value on the appraisal report unless the + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 29 of 166 + +UAD 3.6 Policy +lender obtains a Uniform Commercial Code (UCC) “personal property” search that confirms the solar panels are not claimed as +collateral by any non-mortgage lender. + +Note: A UCC financing statement that covers personal property and is not intended as a “fixture filing” must be filed in the office +identified in the relevant state’s adopted version of the UCC. + +Lenders are responsible for ensuring the appraiser has accurate information about the ownership structure of the solar panels +and that the appraisal report appropriately addresses any impact to the property’s value. Separately financed solar panels must +not contribute to the value of the property unless the related documents indicate the panels cannot be repossessed in the event +of default on the associated financing. Any contributory value for owned or financed solar panels must comply with Energy +Efficiency Improvements in SB4-1.3-05, Dwelling Exterior, Unit Interior, and Outbuilding Sections of the Appraisal Report. diff --git a/chunks/txt/d331a1ad17f4f699397e8ad07efda42caabc421fb2874e5f54ca51a0a7e5980c.txt b/chunks/txt/d331a1ad17f4f699397e8ad07efda42caabc421fb2874e5f54ca51a0a7e5980c.txt new file mode 100644 index 0000000000000000000000000000000000000000..c2801c434f4202ee6458a9f78486492a61da327e --- /dev/null +++ b/chunks/txt/d331a1ad17f4f699397e8ad07efda42caabc421fb2874e5f54ca51a0a7e5980c.txt @@ -0,0 +1,53 @@ +- Added "Transmit" subject and comparable latitude and longitude mappings to the following: + - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortID 520-3 + - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortID 541-4 + - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortID 536-9 + - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortID 502-5 +-Updated UAD Consolidated Schema Matrix to add Latitude/Longitude + +- Updated Implementation Notes for Design (Style) in the Sales Comparison Approach to the following: + - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortIDs 261, 320 + - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortIDs 350, 418 + - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortIDs 348, 416 + - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortIDs 245, 304 + +- Updated Implementation Notes for Garage/Carport in the Sales Comparison Approach to the following: + - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortIDs 280, 351 + - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortIDs 369, 449 + - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortIDs 367, 447 + - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortIDs 264, 335 + +February 18, 2011 + +1.1 + +August 11, 2011 + +1.2 + +April 16, 2013 + +1.3 + +November 5, 2013 + +1.4 + +November 5, 2013 + +1.4 + +Revision History +Appendix B: GSE Appraisal Forms Mapping + +Page 2 of 211 + +Document Version 1.4 + +This document addresses the Uniform Appraisal Dataset (UAD) and is one in a series of documents related to the UAD Specification developed by Fannie Mae and Freddie Mac (the GSEs). Appendix A: GSE +Appraisal Forms Mapping (PDF version) illustrates how the appraisal data is supported within the corresponding appraisal eXtensible Markup Language (XML) file by providing field-level data mapping instructions for the following four +GSE appraisal forms: +• Fannie Mae 1004/ Freddie Mac 70, Fannie Mae 1004 Hybrid/Freddie Mac 70H, Fannie Mae 1004 Desktop/Freddie Mac 70D +• Fannie Mae 2055/ Freddie Mac 2055 +• Fannie Mae 1073/ Freddie Mac 465, Fannie Mae 1073 Hybrid/ Freddie Mac 465H, Fannie Mae 1073 Desktop/ Freddie Mac 465D +• Fannie Mae 1075/ Freddie Mac 466 diff --git a/chunks/txt/d3472a69ae4a750a5cf9c317878d227e243e6339680d4d877aae752cbea094d2.txt b/chunks/txt/d3472a69ae4a750a5cf9c317878d227e243e6339680d4d877aae752cbea094d2.txt new file mode 100644 index 0000000000000000000000000000000000000000..c3c39af36a10fbd4481c17b1cbdfe93b485c4c9e --- /dev/null +++ b/chunks/txt/d3472a69ae4a750a5cf9c317878d227e243e6339680d4d877aae752cbea094d2.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/mortgage-translations/search" +date_accessed: "2026-01-27T17:48:04.091Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/d3579b12066d3035cc10a0ca4f8c5e70c570a99642a9a9a93c0fc86c21eb35d2.txt b/chunks/txt/d3579b12066d3035cc10a0ca4f8c5e70c570a99642a9a9a93c0fc86c21eb35d2.txt new file mode 100644 index 0000000000000000000000000000000000000000..f6e2808d464fa4286f2237a7ce3aded6364ea9da --- /dev/null +++ b/chunks/txt/d3579b12066d3035cc10a0ca4f8c5e70c570a99642a9a9a93c0fc86c21eb35d2.txt @@ -0,0 +1,85 @@ +The sum of this field 3-111 and fields +(3-60, 3-62, 3-64, 3-66, 3-68, 3-70, 3- +72, 3-74, 3-76, 3-78, 3-80, 3-82, 3-84, +3-86, 3-87, 3-91, 3-93, 3-95, 3-97, 3- +99, 3-101, 3-103, 3-105, 3-107, 3-109) +must add up to Net Adjustment field 3- +116. + +Should be populated if there is an +indicated value in field 3-122. + +Either field 3-127 (Valuation +Reconciliation Condition of Appraisal +Type = 'AsIs'), or at least one of fields 3- +128, 3-129 , 3-130 (other values of +Valuation Reconciliation Condition of +Appraisal Type) must be indicated. If +field 3-127 is indicated, then none of +fields 3-128, 3-129 , 3-130 may be +indicated. + +Either field 3-127 (Valuation +Reconciliation Condition of Appraisal +Type = 'AsIs'), or at least one of fields 3- +128, 3-129 , 3-130 (other values of +Valuation Reconciliation Condition of +Appraisal Type) must be indicated. If +field 3-127 is indicated, then none of +fields 3-128, 3-129 , 3-130 may be +indicated. + +Either field 3-127 (Valuation +Reconciliation Condition of Appraisal +Type = 'AsIs'), or at least one of fields 3- +128, 3-129 , 3-130 (other values of +Valuation Reconciliation Condition of +Appraisal Type) must be indicated. If +field 3-127 is indicated, then none of +fields 3-128, 3-129 , 3-130 may be +indicated. + +CR + +CR + +CR + +R + +T + +T + +R + +T + +T + +R + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping diff --git a/chunks/txt/d36520dd3382e347f594460ab49e3061a2b7044c22364e43b635ae63d948a041.txt b/chunks/txt/d36520dd3382e347f594460ab49e3061a2b7044c22364e43b635ae63d948a041.txt new file mode 100644 index 0000000000000000000000000000000000000000..d1a012904ec695996eb931ecf4da9f5a3402108e --- /dev/null +++ b/chunks/txt/d36520dd3382e347f594460ab49e3061a2b7044c22364e43b635ae63d948a041.txt @@ -0,0 +1,24 @@ +Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1) + +Uniform Residential Appraisal Report + +Page 21 of 30 +Page 21 of 30 + +Sales Comparison Approach (continued) + +Reconciliation of Sales Comparison Approach + +The three sales provided were the most comparable manufactured home sales in the market. There were limited sales of manufactured +homes on acreage with water frontage and other amenities. Comparable #1’s lot is on the lake, whereas the subject’s water frontage is a +non-contiguous parcel that is included, while the comparable has no water front features the result is a negative adjustment. The outbuilding +adjustment for comparable sale #1’s shop vs the subject’s detached garages was based on the subject’s finished space only as the garage/ +car storage was captured in vehicle storage. Comparable #2 was superior in terms of quality upgrades and an adjustment was warranted +even though the Q rating was the same as the subject. Comparable #2 is located in a water front project with site values that exceed those in +the subject project. The value differences are due to more level topography and boat motor size restrictions that reduce noise and damage +associated with motor wakes. Comparable #3 is less impactful due to it being a short sale. Comparable #3 has a small portion of its lot within +the river floodplain. There is no impact to improvements or usability of the lot therefore no adjustment is warranted. The appraiser made +market based adjustments to each of the sales for their differences. Adjustments were determined through qualitative analysis, considering +contributory values and competitive differences, matched paired analysis, and interviews with local real estate agents. The value was +reconciled between the adjusted prices of the comparable sales #1 and #2 as they were given the most weight with additional support from +comparable sale #3. diff --git a/chunks/txt/d367b494e02e5e85a8b0b37b19dc9dda2c58fa601ab82ead32ed73b42dc900a8.txt b/chunks/txt/d367b494e02e5e85a8b0b37b19dc9dda2c58fa601ab82ead32ed73b42dc900a8.txt new file mode 100644 index 0000000000000000000000000000000000000000..f47c0f603e5cbd039b795d9df613e9a0c49a2f4a --- /dev/null +++ b/chunks/txt/d367b494e02e5e85a8b0b37b19dc9dda2c58fa601ab82ead32ed73b42dc900a8.txt @@ -0,0 +1,104 @@ +UNIT +IMPROVEMENTS + +UNIT +IMPROVEMENTS + +UNIT +IMPROVEMENTS + +UNIT +IMPROVEMENTS + +UNIT +IMPROVEMENTS + +UNIT +IMPROVEMENTS +UNIT +IMPROVEMENTS + +UNIT +IMPROVEMENTS + +Source(s) Used for Physical +Characteristics of Property +Appraisal Files +Source(s) Used for Physical +Characteristics of Property +MLS +Source(s) Used for Physical +Characteristics of Property +Assessment and Tax Records +Source(s) Used for Physical +Characteristics of Property +Prior Inspection +Source(s) Used for Physical +Characteristics of Property +Property Owner +Source(s) Used for Physical +Characteristics of Property +Other +Source(s) Used for Physical +Characteristics of Property +Other (describe) + +Data Source(s) for Gross Living Area + +Floor # + +# of Levels + +Heating Type + +Unit Charge Utility +Included In +Assessment +Indicator + +Unit Charge Utility +Included In +Assessment +Indicator + +Unit Charge Utility +Included In +Assessment +Indicator + +Data Source Type + +Data Source Type + +Data Source Type + +Data Source Type + +Data Source Type + +Data Source Type + +Data Source Type +Other Description + +Gross Living Area +Square Feet Data +Source Description + +Floor Identifier + +Indicates that the utility specified in Unit +Charge Utility Type is included in the fee +reported in Unit Charge Amount. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type= +'Sewer' and @_IncludedInAssessmentIndicator='Y'] + +Indicates that the utility specified in Unit +Charge Utility Type is included in the fee +reported in Unit Charge Amount. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type= +'Cable' and @_IncludedInAssessmentIndicator='Y'] diff --git a/chunks/txt/d371fa7153a6b35c8bc9e544da90cb68692ad27ff86ac1ee95db0f70427f8f92.txt b/chunks/txt/d371fa7153a6b35c8bc9e544da90cb68692ad27ff86ac1ee95db0f70427f8f92.txt new file mode 100644 index 0000000000000000000000000000000000000000..dd35217c8692554cbb5dec147b47d9edacea8f2f --- /dev/null +++ b/chunks/txt/d371fa7153a6b35c8bc9e544da90cb68692ad27ff86ac1ee95db0f70427f8f92.txt @@ -0,0 +1,45 @@ +- [News Releases](/news/news-release) + - [Speeches](/news/speech) + - [Statements](/news/statement) + - [Testimonies](/news/testimony) + - [Fact Sheets](/news/fact-sheet) + +#### Search & Filter + +Keyword + +Date Range From: + +To: + +Items per page 10 25 50 + +## Search & Filter + +Keyword + +Date Range From: + +To: + +Items per page 10 25 50 + +- Testimony + +July 20, 2022 + +## [Statement of Sandra L. Thompson, FHFA Director, Before the House Committee on Financial Services](/news/testimony/statement-of-sandra-l.-thompson-fhfa-director-before-the-house-committee-on-financial-services) + +Written Testimony Sandra L. Thompson, Director​ Federal Housing Finance Agency ​House Committee on Financial Services “Housing in America: Oversight of the Federal Housing Finance Agency" Wednesday, July 20, 2022 Chairwoman Waters, Ranking Member McHenry, and distinguished members of the Committee... + - Testimony + +January 13, 2022 + +## [Statement of Sandra L. Thompson, FHFA Acting Director, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-sandra-l.-thompson-fhfa-acting-director-before-the-u.s.-senate-committee-on-banking) + +​​Testimony of Sandra L. Thompson Nominee to be the Director of the Federal Housing Finance Agency Before the Committee on Banking, Housing, and Urban Affairs United States Senate January 13, 2022 ​Chairman Brown, Ranking Member Toomey, and members of the Committee. I first want to thank President... + - Testimony + +April 15, 2021 + +## [Written Testimony of Daniel E. Coates, Senior Associate Director, FHFA Before House Financial Services Subcommittee on Investor Protection, Entrepreneurship, and Capital Markets](/news/testimony/written-testimony-of-daniel-e.-coates-senior-associate-director-fhfa-before-house-financial-services) diff --git a/chunks/txt/d375acab392e3cfb48affdf8c72364c459df8a76baa83fcbdd033de1f124c0d4.txt b/chunks/txt/d375acab392e3cfb48affdf8c72364c459df8a76baa83fcbdd033de1f124c0d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..9adf959b4d2987e6dc6a8a9ac1bb954a7b45f799 --- /dev/null +++ b/chunks/txt/d375acab392e3cfb48affdf8c72364c459df8a76baa83fcbdd033de1f124c0d4.txt @@ -0,0 +1,7 @@ +Certifications ....................................................................................................................................................... 89 + +Appraiser Certifications (H1) .............................................................................................................................. 89 + +Supervisory Appraiser Certifications (H1) ........................................................................................................... 89 + +Signature (H1) ..................................................................................................................................................... 90 diff --git a/chunks/txt/d38912ec0c7b1181e314f0b8c873412991ba6b5b381fec1132d8266b96670ea3.txt b/chunks/txt/d38912ec0c7b1181e314f0b8c873412991ba6b5b381fec1132d8266b96670ea3.txt new file mode 100644 index 0000000000000000000000000000000000000000..c94835acac3a1cfc94589a65b92d8be1a439f851 --- /dev/null +++ b/chunks/txt/d38912ec0c7b1181e314f0b8c873412991ba6b5b381fec1132d8266b96670ea3.txt @@ -0,0 +1,11 @@ +Chapter 3: Planning for Implementation ..................................................................................................... 16 + +The Structure of the Loan Application Submission File ..................................................................... 16 + +Creating an XML Schema based submission file ............................................................................... 17 + +Chapter 4: Understanding the DU Spec from a Business Perspective ........................................................ 19 + +What Information is in the redesigned Form 1003 vs. the DU Specification? ................................... 19 + +Describing the Information contained in the DU Specification .......................................................... 19 diff --git a/chunks/txt/d3899f28b60f30f4cf14b400dfa1f71bb2d5a98eecfd6b1b627c33e5a7935fd9.txt b/chunks/txt/d3899f28b60f30f4cf14b400dfa1f71bb2d5a98eecfd6b1b627c33e5a7935fd9.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6f248277b1ab01d67a6fbc46683ccbfefaa9be2 --- /dev/null +++ b/chunks/txt/d3899f28b60f30f4cf14b400dfa1f71bb2d5a98eecfd6b1b627c33e5a7935fd9.txt @@ -0,0 +1,5 @@ +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) ................................................................................................................................ 225 + +Subject Property Amenities Commentary ................................................................................................................................................................................ 227 + +Subject Property Amenities Exhibits ........................................................................................................................................................................................ 227 diff --git a/chunks/txt/d38e227b6f8fd8892d9c12d8b0b68bb13ff0d858a1daebe2b1ad9a74ae3f8a03.txt b/chunks/txt/d38e227b6f8fd8892d9c12d8b0b68bb13ff0d858a1daebe2b1ad9a74ae3f8a03.txt new file mode 100644 index 0000000000000000000000000000000000000000..8a00fe3a4105e7482438e220a7f672b3d98314ee --- /dev/null +++ b/chunks/txt/d38e227b6f8fd8892d9c12d8b0b68bb13ff0d858a1daebe2b1ad9a74ae3f8a03.txt @@ -0,0 +1,102 @@ +Materials have minimal +depreciation and +appear to be well- +maintained. + +Materials have minimal +depreciation and +appear to be well- +maintained. + +Materials have minimal +depreciation and +appear to be well- +maintained. + +Overall Update Status for +Bathrooms + +Not Updated + +Interior Features + +Feature +Flooring + +Detail +Carpet + +Ceramic Tile + +Hardwood + +Marble + +Walls and Ceiling + +8 Ft. | 9 Ft. | 10 or more feet +Flat | Vaulted + +Overall Update Status for +Flooring + +Not Updated + +Quality Comment +High grade wool + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Hardwood includes Brazilian +Cherry + +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment +Materials have minimal +depreciation and appear to +be well-maintained. + +Materials have minimal +depreciation and appear to +be well-maintained. + +Materials have minimal +depreciation and appear to +be well-maintained. + +Materials have minimal +depreciation and appear to +be well-maintained. + +Materials have minimal +depreciation and appear to +be well-maintained. + +Apparent Defects, Damages, Deficiencies (Unit Interior) + +None + +Unit Interior Commentary + +Subject features vaulted ceiling on the third level and extensive trim throughout second level. The subject is a 3 year old structure, all interior +items are original therefore the overall status is considered not updated. + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 8 of 22 + +Unit Interior (continued) + +Unit Interior Exhibits + +Level B1 - Bath - Full - Bath 1 diff --git a/chunks/txt/d390c3b1b2aa086b4f4e5dfb41216e5256e2086108e5dd9c27b4e8d6fb0fb471.txt b/chunks/txt/d390c3b1b2aa086b4f4e5dfb41216e5256e2086108e5dd9c27b4e8d6fb0fb471.txt new file mode 100644 index 0000000000000000000000000000000000000000..d12c7085b5899c431a5de4b885ca92815dd182df --- /dev/null +++ b/chunks/txt/d390c3b1b2aa086b4f4e5dfb41216e5256e2086108e5dd9c27b4e8d6fb0fb471.txt @@ -0,0 +1,76 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEConcessionAmount + +395 + +3 + +62 + +SALES +COMPARISON +APPROACH + +Concessions +Adjustment +(Line 2) + +Sale Price +Adjustment +Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='FinancingConcessions']/@_Amount + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +9 + +Money + +PDF Display Format: +Whole dollars only. + +The total amount of concessions, if any. If there are no sales or financing concessions, a +zero (0) must be entered. + +Refer to Appendix E for printing and parsing instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field indicates the listing status of the comparable. + +If the value of field e-29 is 'SettledSale', +this field is required. + +CR + +CR + +CR + +The sum of this field 3-62 and fields (3- +60, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, +3-76, 3-78, 3-80, 3-82, 3-84, 3-86, 3- +87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101, +3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. diff --git a/chunks/txt/d3ac840b4a093f56d5029541c764afab7db34d29627ba8ed11d0a8e66434ec75.txt b/chunks/txt/d3ac840b4a093f56d5029541c764afab7db34d29627ba8ed11d0a8e66434ec75.txt new file mode 100644 index 0000000000000000000000000000000000000000..9bebfac570efcac712dc9a453613fe722362d2bb --- /dev/null +++ b/chunks/txt/d3ac840b4a093f56d5029541c764afab7db34d29627ba8ed11d0a8e66434ec75.txt @@ -0,0 +1,71 @@ +• +• + +• + +Full Review (with CPM), +FHA Project Approval (HUD Review and Approval +Process only), or +Fannie Mae Review through the streamlined PERS +process (for established condo projects) + +Unit in a new or established two- to four-unit condo +project + +Project review is waived, with the exception of some basic +requirements that apply. + +Detached unit in a new or established condo project + +Project review is waived, with the exception of some basic +requirements that may apply. + +Unit in a co-op project + +• +• + +Full Review +Fannie Mae Review through the standard PERS +process + +Note: Lenders must obtain special approval to be eligible to +deliver co-op share loans to Fannie Mae secured by ownership +interest in a co-op share project. See Selling Guide A2-1-01, +Contractual Obligations for Sellers/Servicers, for additional +information. + +Established condo project consisting solely of multi- +section manufactured homes not subject to a +community land trust, deed restriction, ground lease, +or shared equity arrangement + +Full Review (without CPM) + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 132 of 166 + +UAD 3.6 Policy + +Unit and Project Type + +Project Review Methods + +• New condo project consisting of + +Fannie Mae Review through the standard PERS process + +manufactured homes, (including those +subject to a community land trust, deed +restriction, ground lease, or shared equity +arrangement) + +• New PUD project consisting of manufactured +homes subject to a community land trust, +deed restriction, ground lease, or shared +equity arrangement + +• Newly converted non-gut rehabilitation +condo and co-op projects (with attached +units) that contain more than four units diff --git a/chunks/txt/d3ad4e64e7795415142d3871ef73626d8d3da54008ec2b6075b5e128c871187e.txt b/chunks/txt/d3ad4e64e7795415142d3871ef73626d8d3da54008ec2b6075b5e128c871187e.txt new file mode 100644 index 0000000000000000000000000000000000000000..1d4dd12583f7d0375e30f101ebc795ad267c854a --- /dev/null +++ b/chunks/txt/d3ad4e64e7795415142d3871ef73626d8d3da54008ec2b6075b5e128c871187e.txt @@ -0,0 +1,109 @@ +Report +Field ID + +1.082 + +Report Label + +When to Include + +As Is Overall +Condition Rating + +Required if New +Construction is No, and +Market Value +Condition is Subject to +Completion Per Plans +or Subject to Repair + +Allowable +Answers / Format + +C1 to C6 + +1.082 + +As Is Overall +Condition Rating + +Displays when As Is +Overall Condition +Rating displays + +N/A + +Definition / Additional Guidance + +The As Is Overall Condition Rating reflects the property’s current condition if +Market Value Condition 1.009 is any of the following: +• +• + +Subject to Completion Per Plans +Subject to Repair + +Reference Appendix 2: Condition and Quality Rating Definitions for definitions. + +Existing condition of the property as of the effective date of this appraisal, +excluding all required repairs, alterations, or inspections + +Appendix F-1: URAR Reference Guide + +Page 32 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +02 Assignment Information + +02 Assignment Information + +The Assignment Information section always displays and provides information about the entities involved in the +appraisal, and work completed by the appraiser and other parties. This section provides space for additional +commentary and exhibits. + +General Information + +Assignment Reason + +Report +Field ID + +2.000 + +Report Label + +When to Include + +Assignment +Reason + +Always required + +Assignment Information: Assignment Reason + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Construction +Deed in Lieu +Home Equity +Loan Modification +Portfolio Evaluation +Preforeclosure +Purchase +Refinance +REO +Short Sale +Other (Describe) diff --git a/chunks/txt/d3afb4b52ea82a3995811e5684be928d30ca8ac015ea7f83359853791fd3c775.txt b/chunks/txt/d3afb4b52ea82a3995811e5684be928d30ca8ac015ea7f83359853791fd3c775.txt new file mode 100644 index 0000000000000000000000000000000000000000..6fd72323d0caf9e36a5b3318ac531c92a4f4a2b6 --- /dev/null +++ b/chunks/txt/d3afb4b52ea82a3995811e5684be928d30ca8ac015ea7f83359853791fd3c775.txt @@ -0,0 +1,59 @@ +79991-79992; §1026.38(t)(5)-4 p. 80362; Exhibit H–25(A) Mortgage Loan Transaction Closing Disclosure— +Model Form, pp. 80176-79. + +Appendix E: UCD Implementation Guide + +Page 236 of 254 + +Version 1.4 + +Uniform Closing Dataset + +25.0 Payoffs and Payments - UPDATED + +25.0 PAYOFFS AND PAYMENTS - UPDATED + +The Payoffs and Payments table is included in the following Closing Disclosure variations: + +Table 156. Required Sections for each Closing Disclosure Variation -- UPDATED + +Form +Field +ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +25.0 + +Payoffs and Payments Table (K) + +Non-Seller Transactions +Only Alternate Form + +✓ + +For transactions without a seller, the GSEs require that the Alternate Form be delivered with the UCD XML file. +25.0 Payoffs and Payments is provided in place of Summaries of Transactions and is presented on page 3 of the +Closing Disclosure above the alternative Calculating Cash to Close table. + +The Payoffs and Payments table itemizes the following payments made at closing. For example: + +1. Payoff by borrower of credit extended to the borrower(s) or their designees. Line items may include: + +a. Payoffs of existing liens secured by the property (such as mortgages, deeds of trust, judgments that have +attached to the real property, mechanics’ and materialman’s’ liens, and local, State and Federal tax +liens) + +b. Payments of unsecured outstanding borrower debts + +c. Payments to other third parties for outstanding borrower debts (but not for settlement services) as + +required to be paid as a condition for the extension of credit. + +2. Funds provided by the borrower(s) or their designees as part of the transaction. diff --git a/chunks/txt/d3b41c5d32a20d3a2b243a7dbc77050a9beb64b3bd983ae7ec78f88f707c112c.txt b/chunks/txt/d3b41c5d32a20d3a2b243a7dbc77050a9beb64b3bd983ae7ec78f88f707c112c.txt new file mode 100644 index 0000000000000000000000000000000000000000..608011d8f1c554cb1f05134ed0de092fe7304c2a --- /dev/null +++ b/chunks/txt/d3b41c5d32a20d3a2b243a7dbc77050a9beb64b3bd983ae7ec78f88f707c112c.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/dashboard/mortgage-loan-and-natural-disaster" +date_accessed: "2026-01-27T18:10:34.569Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/d3bd1755b93f8ced350d5d478d37213e82d0d953cc2a63c651a38ce1d7dc07bc.txt b/chunks/txt/d3bd1755b93f8ced350d5d478d37213e82d0d953cc2a63c651a38ce1d7dc07bc.txt new file mode 100644 index 0000000000000000000000000000000000000000..0127287870ee7c2720dd23b2fc84fb6470dfdc10 --- /dev/null +++ b/chunks/txt/d3bd1755b93f8ced350d5d478d37213e82d0d953cc2a63c651a38ce1d7dc07bc.txt @@ -0,0 +1,45 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 80 of 166 + +UAD 3.6 Policy + +SB4-1.3-05, Dwelling Exterior, Unit Interior, and Outbuilding Sections of the +Appraisal Report (12/10/2025) + +Introduction + +This topic contains information on reviewing the Dwelling Exterior, Unit Interior, and Outbuilding sections of the appraisal report, +including: + +• Overview +• Conformity of Improvements +• Unique Housing Types +• Actual and Effective Ages +• Remaining Economic Life +• +• +• Above- and Below-Grade Area(s) +• Gross Building Finished Area for Two- to Four-Units +• Accessory Dwelling Units +• Additions without Permits +• Properties with Outbuildings + +Energy-Efficient and Green Features +Layout and Floor Plans + +Overview + +The appraisal must provide a clear, detailed, and accurate description of the dwelling and outbuildings. The description must be +as specific as possible and include needed repairs, additional features, amenities, and modernization. If the subject property has +an accessory dwelling unit(s) (ADU), the appraisal must include it with a detailed description. + +Conformity of Improvements + +The improvements should conform to the market area in terms of age, type, design, and materials used for their construction. If +there is market resistance to a property due to the improvements not being compatible with the requirements of the competitive +market because of adequacy of plumbing, heating, or electrical services; design; quality; size; condition; or any other reason +directly related to market demand, the appraiser must address the impact to the value and marketability of the subject within the +Functional Obsolescence section. However, the lender should be aware many established neighborhoods have favorable +heterogeneity in architectural styles, land use, and age of housing. For example, established neighborhoods are especially likely +to have been developed through custom building. This variety may be a positive marketing factor. diff --git a/chunks/txt/d3cb90e9b98f2f8a7bb0dd7d6cec659d903ff900512b6ecb26f2a54b64efa5be.txt b/chunks/txt/d3cb90e9b98f2f8a7bb0dd7d6cec659d903ff900512b6ecb26f2a54b64efa5be.txt new file mode 100644 index 0000000000000000000000000000000000000000..c86d3bb19202af195980bce325e523c6291a7b51 --- /dev/null +++ b/chunks/txt/d3cb90e9b98f2f8a7bb0dd7d6cec659d903ff900512b6ecb26f2a54b64efa5be.txt @@ -0,0 +1,40 @@ +- [Current page 1](?page=0) + - [Page 2](?page=1) + - [Page 3](?page=2) + - [Page 4](?page=3) + - [Page 5](?page=4) + - … + - [Next page Next](?page=1) + +For more information about vendor products, please contact the vendor directly. Please note that Fannie Mae does not endorse any vendor solutions. + +**Denotes vendor has not been validated to support the redesigned Form 1003 and Desktop Underwriter®(DU®) Specification based on MISMO® V3.4.* + +campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + +![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + +### Have questions? + +Get answers to your policy and guide questions, straight from the source. + +[Get Started **](/applications-technology/ask-poli) + +###### Work with Fannie Mae + +- [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + +###### Products & Solutions + +- [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) + +###### Support & Resources + +- [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts) + - [Guide Forms](/selling-servicing-guide-forms) + - [Learning Center](/learning-center) + - [News & Events](/news-events) + - [Report mortgage fraud](/mortgage-fraud-prevention) diff --git a/chunks/txt/d3cc5be719228a6e2071a7b4acdd28f392bd22fff4105ce3313d6a52edd02067.txt b/chunks/txt/d3cc5be719228a6e2071a7b4acdd28f392bd22fff4105ce3313d6a52edd02067.txt new file mode 100644 index 0000000000000000000000000000000000000000..684cb26fc160e886f1d4c4397e1ce354cf5d1071 --- /dev/null +++ b/chunks/txt/d3cc5be719228a6e2071a7b4acdd28f392bd22fff4105ce3313d6a52edd02067.txt @@ -0,0 +1,130 @@ +10 + +Date/Time + +Data Format: +yyyy-mm-dd + +535 + +6 + +41 + +APPRAISER +CERTIFICATION + +Did inspect interior and exterior +of subject property + +Appraisal +Inspection Type + +Specifies the extent of the property +inspection. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais +alInspectionPropertyType=‘Subject’ and +@AppraisalInspectionType=‘ExteriorAndInterior’] + +1 + +Enumerated + +PDF Display Format: +mm/dd/yyyy + +Note: fields 6-40 and 6-42 populate the same MISMO container. + +536 + +6 + +42 + +APPRAISER +CERTIFICATION + +Date of Inspection + +Inspection Date + +The date the inspection of the property +was performed. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais +alInspectionPropertyType=‘Subject’ and +@AppraisalInspectionType=‘ExteriorAndInterior’]/@InspectionDate + +10 + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +537 + +6 + +43 + +APPRAISER +CERTIFICATION + +Did not inspect exterior of +comparable sales from street + +Appraisal +Inspection Type + +Specifies the extent of the property +inspection. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais +alInspectionPropertyType=‘Comparable’ and @AppraisalInspectionType=‘None’] + +538 + +539 + +6 + +6 + +44 + +45 + +APPRAISER +CERTIFICATION + +Did inspect exterior of +comparable sales from street + +Appraisal +Inspection Type + +Specifies the extent of the property +inspection. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais +alInspectionPropertyType=‘Comparable’ and +@AppraisalInspectionType=‘ExteriorOnly’] + +APPRAISER +CERTIFICATION + +Date of Inspection + +Inspection Date + +The date the inspection of the property +was performed. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais +alInspectionPropertyType=‘Comparable’ and +@AppraisalInspectionType=‘ExteriorOnly’]/@InspectionDate diff --git a/chunks/txt/d3dc60c92ae605bc877be74adc3ec6c6f08f3851d8f5061e94239ed3fae0e66a.txt b/chunks/txt/d3dc60c92ae605bc877be74adc3ec6c6f08f3851d8f5061e94239ed3fae0e66a.txt new file mode 100644 index 0000000000000000000000000000000000000000..4afb7d4f8183c05a80a6f1433ac677c10460b869 --- /dev/null +++ b/chunks/txt/d3dc60c92ae605bc877be74adc3ec6c6f08f3851d8f5061e94239ed3fae0e66a.txt @@ -0,0 +1,105 @@ +For non-recording fees, taxes and +other government fees, provide the +name of the jurisdiction. + +…/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_PAYMENTS/FEE_PAYMENT + +8.193 + +FeeActualPaymentAmount + +1440.00 + +8.153 + +FeePaymentPaidByType + +8.154 + +FeePaymentPaidOutsideOfClosingIndicato +r + +Seller + +true + +The delivered value is greater than +just the sum of +“RecordingFeeForDeed” and +“RecordingFeeTotal”, indicating that +other recording fees are part of the +transaction. + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE +E_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType="OtherCosts"]/FEE_DETAIL + +8.180 + +FeePaidToType + +ThirdPartyProvider + +8.065 + +IntegratedDisclosureSectionType + +OtherCosts + +UCD v2.0 Implementation Guide + +- 96 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 45. UCD v2.0 Spec Excerpt - ucd:FeeItemType Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +8.219 + +OptionalCostIndicator + +false + +Provide “true” if the fee was for +premiums for separate insurance, +warranty, guarantee, or event- +coverage products. + +8.186 + +RegulationZPointsAndFeesIndicator + +false + +…/FEE[IntegratedDisclosureSectionType="OtherCosts"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_EXTENSION + +15.013 + +ucd:FeeItemType + +HomeownersAssociationSpecia +lAssessment + +…/FEE[IntegratedDisclosureSectionType="OtherCosts"]/FEE_PAID_TO/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL + +8.068 + +FullName + +HOA Acre Inc. + +Include the company name of the +service provider. + +…/FEE[IntegratedDisclosureSectionType="OtherCosts"]/FEE_PAYMENTS/FEE_PAYMENT diff --git a/chunks/txt/d3ea66fcd209fb42bd6c2b3f264c72cd64b9432d191b595c5a2f2c3ff568dbf0.txt b/chunks/txt/d3ea66fcd209fb42bd6c2b3f264c72cd64b9432d191b595c5a2f2c3ff568dbf0.txt new file mode 100644 index 0000000000000000000000000000000000000000..f2248202f6d1a2b20d7d681b9de8ed7d35689020 --- /dev/null +++ b/chunks/txt/d3ea66fcd209fb42bd6c2b3f264c72cd64b9432d191b595c5a2f2c3ff568dbf0.txt @@ -0,0 +1,181 @@ +2.032 + +Name + +2200.0075 + +FirstName + +… displays + +2200.0077 MiddleName + +Display when provided + +2200.0076 + +LastName + +… displays + +2200.0078 + +SuffixName + +2.033 + +Designation + +2400.0432 + +AppraiserDesignationType + +2.034 + +Company Name + +2400.0428 + +AppraiserCompanyName + +2.035 + +Company Address + +2400.0423 + +AddressLineText + +2400.0424 + +CityName + +2400.0426 + +StateCode + +2400.0425 + +PostalCode + +Scope of Inspection by Supervisory Appraiser + +Subject Property Inspection + +Display when provided + +Display when provided + +If there are multiple designations, display separated with a comma. + +… displays + +… displays + +… displays + +… displays + +… displays + +… displays + +2.036 + +Exterior + +2400.0503 + +PropertyExteriorInspectionMethodType + +… displays + +2.037 + +Interior + +2400.0504 + +PropertyInteriorInspectionMethodType + +… displays + +2.038 + +Inspection Date + +2400.0502 + +InspectionDate + +Display when provided. + +When not provided, do not display report label. + +Credentials + +2.039 + +Level + +2200.0080 + +AppraiserLicenseType + +… displays + +… displays + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 98 + +Assignment Information: Contact Information – Supervisory Appraiser + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +2.040 + +ID + +2200.0083 + +LicenseIdentifier + +2.041 + +State + +2200.0084 + +LicenseIssuingAuthorityStateCode + +2.042 + +Expires + +2200.0082 + +LicenseExpirationDate + +2.043 + +ASC Identifier + +2400.0427 + +AppraisalSubCommitteeAppraiserIdentifier + +Display Rules + +When PartyRoleType (UID: 2200.0085, FID: Not on report) = +“AppraiserSupervisor” … + +Required when AppraiserLicenseType <> “None” + +When not provided, do not display report label. diff --git a/chunks/txt/d3ecc9a69754a216f697bd8431430775ae3aa9dea86d362811f29f992fba1d17.txt b/chunks/txt/d3ecc9a69754a216f697bd8431430775ae3aa9dea86d362811f29f992fba1d17.txt new file mode 100644 index 0000000000000000000000000000000000000000..d3c87c5fecc90d30cca6b3a73d5ee3e5c3bd219f --- /dev/null +++ b/chunks/txt/d3ecc9a69754a216f697bd8431430775ae3aa9dea86d362811f29f992fba1d17.txt @@ -0,0 +1,94 @@ +The subject is for sale by owner and currently pending with a current list price of $160,000. + +Key Characteristics + +Connected to public electricity and water, and private cesspool +Construction Method: Site Built +Attachment Type: Detached +Property Rights: Mineral Rights not included + +• +• +• +• +• Defects, Damages, Deficiencies have been identified +• + +Includes Income Approach +o Rent Schedule +o Gross Rent Multiplier Comparables + +• + +• + +Parties associated with this transaction: + +o Appraiser (Trainee) +o Supervisory Appraiser (did not inspect) + +Includes Revision History and Supplemental Information sections + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. +This cover section, including Introduction and Key Characteristics, +is not part of the URAR. + +Uniform Residential Appraisal Report + +12345 HOLIDAY HWY, SURFSIDE, HI 12345 + +SUMMARY + +Opinion of Market Value + +$195,000 + +Market Value Condition + +As Is + +Effective Date of Appraisal +Assignment Reason +Borrower Name +Current Owner of Public Record +Contract Price +Listing Status + +10/05/2019 +Purchase +Betty Borrower +Sydney Seller +$160,000 +Pending + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +Tom Appraiser + +Property Description + +Construction Method +Attachment Type + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +2 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? diff --git a/chunks/txt/d3f264ce0d91a2a311e8b4c13b48ef24f2926c212eed309a093643d18144dc6c.txt b/chunks/txt/d3f264ce0d91a2a311e8b4c13b48ef24f2926c212eed309a093643d18144dc6c.txt new file mode 100644 index 0000000000000000000000000000000000000000..824e4c4609bb8f500fd3e0f122e64556b6d2d830 --- /dev/null +++ b/chunks/txt/d3f264ce0d91a2a311e8b4c13b48ef24f2926c212eed309a093643d18144dc6c.txt @@ -0,0 +1,96 @@ +Subject Property + +Report +Field ID + +Report Label + +When to Include + +01.001 Physical Address Always required + +Allowable +Answers / Format + +Free-form, in +format that +conforms to +address standards +in USPS +Publication 28, +Postal Addressing +Standards + +01.002 County + +Always required + +Free-form + +Definition / Additional Guidance + +Property Address: Physical address of the property. +The following address elements must be included: +• + +Street number and name (including pre-directional indicator, suffix, post- +directional indicator) +Unit number, if applicable: + +• + +o + +o +o + +For condos, co-ops, and condops, only use the unit number if it +is in the USPS address. +Do not use unit number for 2- to 4-unit properties. +If the unit number is not applicable, leave it blank. + +• + +City, state, and ZIP code + +Examples: +• + +For a single-family attached or detached property: + +o + +123 Oak St, Anytown NY 11111 + +• + +For a high-rise condo, co-op, or condop: + +o + +123 Oak St, Unit 101, Anytown NY 11111 + +The purpose of the address is to identify the location of the subject property. If +the subject property address has not been assigned through USPS, another +descriptive method for the address line (e.g., Lot and Block) must be provided +to indicate the location. + +2- to 4-Unit Properties: +Physical Address represents the address for the entire property. +• +• + +Do not populate unit number in Physical Address. +Do not use Alternate Physical Address for one of the units. + +Examples: +• + +• + +• + +For a property with one dwelling (100 Main St), where each unit (Units 1- +4) has a separate address, enter 100 Main St for Physical Address. +For a property with two dwellings, each with a separate address (100 +Main St and 102 Main St), enter 100-102 Main St for Physical Address. diff --git a/chunks/txt/d401952f0abf3d1db36b31c65760eb911f8937efc98c5e47fe20450a5be4603a.txt b/chunks/txt/d401952f0abf3d1db36b31c65760eb911f8937efc98c5e47fe20450a5be4603a.txt new file mode 100644 index 0000000000000000000000000000000000000000..873788935ac5ecf97850713f0b4f8cdcfd2b1b62 --- /dev/null +++ b/chunks/txt/d401952f0abf3d1db36b31c65760eb911f8937efc98c5e47fe20450a5be4603a.txt @@ -0,0 +1,41 @@ +27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties +including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar +state laws. + +29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +Signature + +Appraiser +Agatha Appraiser +Agatha Appraiser + +09/08/2019 + +Date of Signature and Report + +Level +ID +State +Expires + +Certified Residential +XYZ12345 +VA +12/31/2019 + +Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3) + +Single Family Scenario 4 (SF4) + +Introduction + +This report is for a detached home with a below grade accessory dwelling unit (ADU). The site contains +14,000 sq. ft. The primary dwelling contains 3,304 sq. ft. of finished above grade area, 640 sq. ft. of +below grade finished area, and 616 sq. ft. of unfinished below grade area. diff --git a/chunks/txt/d4033b9ab96650325619a14b1e573fe2775dbc3eced955d4a78f84c62c67ab07.txt b/chunks/txt/d4033b9ab96650325619a14b1e573fe2775dbc3eced955d4a78f84c62c67ab07.txt new file mode 100644 index 0000000000000000000000000000000000000000..0be7cd7f02b65a0492e55214bf14f064f445ead3 --- /dev/null +++ b/chunks/txt/d4033b9ab96650325619a14b1e573fe2775dbc3eced955d4a78f84c62c67ab07.txt @@ -0,0 +1,132 @@ +146 + +1 + +140 + +PROJECT +INFORMATION + +# of Elevators + +Elevator Count + +Number of elevators. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@ElevatorCount + +147 + +148 + +149 + +1 + +1 + +1 + +141 + +142 + +143 + +PROJECT +INFORMATION + +Existing + +Building Status +Type + +Specifies the physical status of the +structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatusType= +'Existing'] + +PROJECT +INFORMATION + +Proposed + +Building Status +Type + +Specifies the physical status of the +structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatusType= +'Proposed'] + +PROJECT +INFORMATION + +Under Construction + +Building Status +Type + +Specifies the physical status of the +structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatusType= +'UnderConstruction'] + +17 + +17 + +17 + +17 + +17 + +17 + +45 + +4 + +3 + +17 + +17 + +17 + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one design type, this field indicates the design type +that applies to the subject unit, and the appraiser may indicate the other design types in +the addendum. + +One and only one selection from fields +1-132, 1-133, 1-134, 1-135, 1-136, 1- +137 (values of Project Design Type) +should be indicated. + +UAD Instruction - Refer to Appendix D Project Information Section +If the project includes more than one design type, this field indicates the design type +that applies to the subject unit, and the appraiser may indicate the other design types in +the addendum. + +One and only one selection from fields +1-132, 1-133, 1-134, 1-135, 1-136, 1- +137 (values of Project Design Type) +should be indicated. diff --git a/chunks/txt/d418e9f406911c3040cd9cf09499a6b1770bf8390b0690598f24316fbac3b642.txt b/chunks/txt/d418e9f406911c3040cd9cf09499a6b1770bf8390b0690598f24316fbac3b642.txt new file mode 100644 index 0000000000000000000000000000000000000000..6b813b635c224a0b53797becb048a0b5e719fc1b --- /dev/null +++ b/chunks/txt/d418e9f406911c3040cd9cf09499a6b1770bf8390b0690598f24316fbac3b642.txt @@ -0,0 +1,104 @@ +UCD UID + +MISMO v3.3.0 Data Point + +3.013 MICertificateIdentifier + +3.017 MICompanyNameType + +3.029 MICompanyNameTypeOtherDescription + +MISMO v3.3.0 +Delivered +Value + +000654321 + +Other + +Enact + +Implementation Notes + +The only accepted values in the UCD XML file are shown +under UCD v2.0 Supported Enumerations. + +UCD v2.0 Implementation Guide + +- 120 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 96. XML Snippet - Example of Mortgage Insurance Data. + + +… + + + + + + + + + +000654321 + Other + Enact + + + + +… + + +UCD v2.0 Implementation Guide + +- 121 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +U. PAYMENT DATA + +The PAYMENT container holds three types of payment data—payment frequency and amount of principal and interest +payments and the terms of partial payments. + +Table 61. XML File Container Structure for Payment Data. + +UCD UIDs + +Containers + +UCD Usage Notes + +999.249 + +PAYMENT + +Holds containers categorizing payment information. + +999.250 | 999.251 + +PARTIAL_PAYMENTS/PARTIAL_PAYMENT + +Groups one or more sets of partial payment data points. + +999.252 + +PAYMENT_RULE + +Holds data points describing the payment parameters. + +1. PARTIAL PAYMENT DATA + +The XML file collects data about whether the lender accepts periodic payments that are less than the full amount due. If +so, the lender must indicate whether they are applied immediately or held in a separate account until the full payment is +received. diff --git a/chunks/txt/d4254da88d3466f5d6c0c65021cf6e10aca403494c074109a6034b32e398a40a.txt b/chunks/txt/d4254da88d3466f5d6c0c65021cf6e10aca403494c074109a6034b32e398a40a.txt new file mode 100644 index 0000000000000000000000000000000000000000..cea1fdb162c4854308d4a3b6b93be9fa0b16b606 --- /dev/null +++ b/chunks/txt/d4254da88d3466f5d6c0c65021cf6e10aca403494c074109a6034b32e398a40a.txt @@ -0,0 +1,112 @@ +Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4) + +Uniform Residential Appraisal Report + +Page 6 of 22 +Page 6 of 22 + +Dwelling Exterior (continued) + +Quality and Condition + +Exterior Quality Rating + +Q4 + +Exterior Condition Rating + +C3 + +The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report + +Exterior Features + +Feature +Exterior Walls and Trim + +Detail +Aluminum + +Quality Comment +Quality meets market +expectations for this type of +dwelling. + +Condition Status +Typical Wear and Tear + +Condition Comment +No damage or condition +issues noted. + +Foundation + +Poured Concrete | Basement + +Typical Wear and Tear + +Roof + +Windows + +Composition +Estimated Age: 10-20 years + +Thermal Double Hung and +some Casement Windows + +25 year rated shingles + +Typical Wear and Tear + +Brand Y Windows + +New or Like New + +Foundation appears +sound with typical hairline +settlement cracks. + +No apparent signs of damage +or leaks. + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Centralized + +Detail +Electric + +Core Heating System Below Grade + +Yes No +  + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +None + +Dwelling Exterior Commentary + +The exterior was recently painted, and new windows, shutters, and doors were installed. + +Dwelling Exterior Exhibits + +Dwelling Rear + +Side View + +This is where the Dwelling Rear photo would display. + +This is where the Dwelling Side photo would display. + +Unit Interior - Primary Dwelling + +Area Breakdown diff --git a/chunks/txt/d446ae79bdba18e9693e7cfcb5c1444d4d6f776580119ea2ab17bfba2470f3be.txt b/chunks/txt/d446ae79bdba18e9693e7cfcb5c1444d4d6f776580119ea2ab17bfba2470f3be.txt new file mode 100644 index 0000000000000000000000000000000000000000..4811ca21bfb8f4359947bad141b9b7ae44f803b4 --- /dev/null +++ b/chunks/txt/d446ae79bdba18e9693e7cfcb5c1444d4d6f776580119ea2ab17bfba2470f3be.txt @@ -0,0 +1,102 @@ +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Apparent Defects, Damages, Deficiencies (Reconciliation) + +26.020 N/A + +N/A + +Displays when there +are defects, damages, +or deficiencies for the +property + +The items listed below represent the As Is condition as of the effective date of +this report + +Appendix F-1: URAR Reference Guide + +Page 329 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +26 Reconciliation + +Information That May Display in Gray Bars + +The applicable URAR sections display as gray bars in the Apparent Defects, Damages, Deficiencies table. + +Reconciliation: Apparent Defects, Damages, Deficiencies + +Report Label + +Origin of Information (Section) + +Definition / Additional Guidance + +Report +Field ID + +26.027 +26.034 + +N/A + +Structure Identifier 8.000 + +Dwelling Exterior +• +Unit Interior +• + +Structure Identifier 10.001 + +26.035 +26.051 + +N/A + +Unit Interior +• + +Unit Identifier 10.002 + +26.042 +26.050 + +N/A + +Outbuilding +• + +Outbuilding Type 12.001 + +Structure Identifier: An identifier (building name) created by the appraiser +to differentiate among multiple dwellings on the property. +Examples: Building 1, Building 2, Front, Rear +Redisplays if applicable from the original section. +Unit Identifier: An identifier assigned by the appraiser that differentiates +between multiple units on the property. +Examples: Unit 1, Unit 2, Primary Dwelling, ADU +Redisplays if applicable from the original section. + +Redisplays if applicable from the original section. + +Appendix F-1: URAR Reference Guide + +Page 330 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +26 Reconciliation + +Information About Each Defect, Damage, or Deficiency diff --git a/chunks/txt/d448779c1667ef784e2acc4f437f90dd3966ae9f1e265f5dd9847e683f4c75e8.txt b/chunks/txt/d448779c1667ef784e2acc4f437f90dd3966ae9f1e265f5dd9847e683f4c75e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..1211d8d338ad2080b1993c14f1588fc9d89e4eb9 --- /dev/null +++ b/chunks/txt/d448779c1667ef784e2acc4f437f90dd3966ae9f1e265f5dd9847e683f4c75e8.txt @@ -0,0 +1,65 @@ +21.006 Analysis of Prior +Sale or Transfer +History of +Subject Property + +21.012 Analysis of Prior +Sale or Transfer +History of +Comparable +Sales + +Prior Sale and Transfer History Exhibits + +All photos or images related to the Prior Sale and Transfer History section are displayed in the Prior Sale and +Transfer History Exhibits subsection. If there are no photos or images, this subsection does not display. + +Report +Field ID + +See +iGuide + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Prior Sale and Transfer History Exhibits + +If applicable + +Photos or images + +Prior Sale and +Transfer History +Exhibits + +Photos or images relevant to the Prior Sale and Transfer History section may +be provided, which display in Prior Sale and Transfer History Exhibits. If the +photo or image is not specifically indicated above, provide a caption to further +identify the photo. + +Appendix F-1: URAR Reference Guide + +Page 212 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +22 Sales Comparison Approach + +The Sales Comparison Approach section captures a market analysis of the subject property via a grid of comparable transactions (comps) and their +characteristics. The “sales grid” (or “sales comparison grid”) displays a summary of the evidence in support of the appraiser's opinion of value in the +form of market-driven adjustments for differences in characteristics. The section provides space for commentary and exhibits. + +Due to the expandable nature of the sales comparison grid: +• Do not represent the same information more than once in the sales grid. +• Do not duplicate line items and/or their adjustments. diff --git a/chunks/txt/d45ff4061288a93090096e46d714e6eb8d3c9b440947cc60fdd5bd5d29677af1.txt b/chunks/txt/d45ff4061288a93090096e46d714e6eb8d3c9b440947cc60fdd5bd5d29677af1.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c91fe358d7c8beafc5974a40db71560d8f9acec --- /dev/null +++ b/chunks/txt/d45ff4061288a93090096e46d714e6eb8d3c9b440947cc60fdd5bd5d29677af1.txt @@ -0,0 +1,93 @@ +Property in a Project +• +• + +Yes (the property is in a condominium, cooperative, or condop) +No (the property is not in a condominium, cooperative, or condop) + +Project Legal Structure + +Site Owned in Common: Indicates whether land associated with the property is +owned by an association, such as a condominium project, cooperative, or +condop. +• + +Yes (the land supporting the dwelling is commonly owned through an +association such as a condo, co-op or condop). +No (the homeowner owns or leases the land sole and separate from +another entity). + +• + +Note: For site condos, select No for Site Owned in Common, and Condominium +for Project Legal Structure. + +Appendix F-1: URAR Reference Guide + +Page 14 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Overview + +Attachment Type, Structure Design, and Construction Method + +Defining the Property: Attachment Type, Structure Design, and Construction Method + +Report +Field ID + +3.004 + +Report Label + +When to Include + +Attachment +Type + +Always required + +8.002 + +Structure Design Required if + +8.011 + +Construction +Method + +Attachment Type is +Attached + +Required if Structure +Design is not High-rise, +Mid-rise, or Low-rise + +Allowable +Answers / Format + +Attached or +Detached + +Choose an +allowable answer +from 8.002 + +Choose one or +more allowable +answers from +8.011 + +Types of Structures + +Definition / Additional Guidance + +Whether the residential dwelling has a common wall or other direct physical +connection with another dwelling or structure that has a different legal +description. + +The type of structural design when properties are connected (e.g. high-rise, +townhouse, semi-detached). diff --git a/chunks/txt/d461a9d9992a1b8a72e37dead7138d90134b7cc5e12db165276b60fefcbea54b.txt b/chunks/txt/d461a9d9992a1b8a72e37dead7138d90134b7cc5e12db165276b60fefcbea54b.txt new file mode 100644 index 0000000000000000000000000000000000000000..cfdbde9cb25d32a8bc7e3df1623e0d9e9533e58a --- /dev/null +++ b/chunks/txt/d461a9d9992a1b8a72e37dead7138d90134b7cc5e12db165276b60fefcbea54b.txt @@ -0,0 +1,129 @@ +SubjectListing + +Subject was listed on June 20th, 2019, with list price of $825,000 and was listed for 40 days. On July 31st, 2019, the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $765,000, which is approximately 7% below the original list price and within 5% of the final list price. + +OverallQualityAndCondition + +The exterior was recently painted, and new windows, shutters and doors were installed. However, the overall condition was reconciled to C4 given the interior condition of the primary dwelling. + +SubjectPriorSalesAndTransferHistory + +Since the prior sale, the kitchen has been updated with new counter tops, new appliances, and new lighting fixtures. And the primary bathroom on the first floor was fully updated and upgraded. + +ComparablesPriorSalesAndTransferHistory + +Comp#1: Kitchen and Bathrooms have been upgraded and updated since the last sale. + +false + +Utilize this subsection for additional commentary as required by USPAP. + +AsIs + +2019-09-08 + +90 + +60 + +ReasonableExposureTime + +775000 + +false + +AA12345 + +false + +AmericanNationalStandardsInstitute + +false + +false + +true + +URAR Delivery Specification v1.3 + +InteriorAndExterior + +MYAPP + +Some Appraisal Creator + +11.2.1 + +Nowhere Technologies + +Empty Bank + +200 Tree St + +Somewhere + +12345 + +VA + +Lender + +Client + +IDK Appraisal Management Company + +300 Main Ave + +Somewhere + +12345 + +VA + +2022-04-30 + +5419-2123.4 + +VA + +ManagementCompany + +Agatha + +Appraiser + +123 Main St + +Nowhere + +12345 + +VA + +XYZ Appraisals + +CertifiedResidential + +2019-12-31 + +XYZ12345 + +VA + +Appraiser + +AppraisalFee + +0 + +Bob + +Borrower + +Borrower + +Betty + +Borrower + +Borrower diff --git a/chunks/txt/d48532c809c1cc52ab9ff476e6b194d3d52e0ed26518c7e49a9e46cb14fcbfc4.txt b/chunks/txt/d48532c809c1cc52ab9ff476e6b194d3d52e0ed26518c7e49a9e46cb14fcbfc4.txt new file mode 100644 index 0000000000000000000000000000000000000000..7258f202833fd29f3e1f86de4a23b56447416bc2 --- /dev/null +++ b/chunks/txt/d48532c809c1cc52ab9ff476e6b194d3d52e0ed26518c7e49a9e46cb14fcbfc4.txt @@ -0,0 +1,44 @@ +Numeric + +PDF Display Format: +Whole numbers only. + +If field 2-74 (Car Storage Exists Indicator = +'N') is indicated than none of fields 2-75, 2- +76, 2-77 (Car Storage Location Exists +Indicator = 'Y' and values of Car Storage +Location Type), 2-79, 2-80 (values of +Parking Space Assignment Type), 2-78 +(Parking Spaces Count), 2-81 (Parking +Spaces Identifier) should be indicated. If +field 2-74 is not indicated then at least one +of fields 2-75, 2-76, 2-77 (Car Storage +Location Exists Indicator = 'Y' and values of +Car Storage Location Type) should be +indicated. +If field 2-74 (Car Storage Exists Indicator = +'N') is indicated than none of fields 2-75, 2- +76, 2-77 (Car Storage Location Exists +Indicator = 'Y' and values of Car Storage +Location Type), fields 2-79, 2-80 (values of +Parking Space Assignment Type), field 2-78 +(Parking Spaces Count), field 2-81 (Parking +Spaces Identifier) should be indicated. If +field 2-74 is not indicated then at least one +of fields 2-75, 2-76, 2-77 (Car Storage +Location Exists Indicator = 'Y' and values of +Car Storage Location Type) should be +indicated. +If field 2-74 (Car Storage Exists Indicator = +'N') is indicated than none of fields 2-75, 2- +76, 2-77 (Car Storage Location Exists +Indicator = 'Y' and values of Car Storage +Location Type), fields 2-79, 2-80 (values of +Parking Space Assignment Type), field 2-78 +(Parking Spaces Count), field 2-81 (Parking +Spaces Identifier) should be indicated. If +field 2-74 is not indicated then at least one +of fields 2-75, 2-76, 2-77 (Car Storage +Location Exists Indicator = 'Y' and values of +Car Storage Location Type) should be +indicated. diff --git a/chunks/txt/d4a0b7eb88b22faab10f901d1bb73413e530c1de910cc72ee37989e13c292602.txt b/chunks/txt/d4a0b7eb88b22faab10f901d1bb73413e530c1de910cc72ee37989e13c292602.txt new file mode 100644 index 0000000000000000000000000000000000000000..fd6a49b76be08614e0abe382d67838c20c7a667d --- /dev/null +++ b/chunks/txt/d4a0b7eb88b22faab10f901d1bb73413e530c1de910cc72ee37989e13c292602.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Foreclosure Prevention, Refinance, and FPM Report + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - Foreclosure Prevention, Refinance, and FPM Report + +Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP diff --git a/chunks/txt/d4a1a9d3844eab2ed4681d89f1b8cbec4702c456c8d0c5f5ff2529731647556e.txt b/chunks/txt/d4a1a9d3844eab2ed4681d89f1b8cbec4702c456c8d0c5f5ff2529731647556e.txt new file mode 100644 index 0000000000000000000000000000000000000000..1a3a661f0ebd6bf3dd7bb5715ca8deb4316fb11d --- /dev/null +++ b/chunks/txt/d4a1a9d3844eab2ed4681d89f1b8cbec4702c456c8d0c5f5ff2529731647556e.txt @@ -0,0 +1,46 @@ +a. Includes proceeds of gifts or grants and identification of their source. + +3. Escrow rollovers. Note that state laws may constrain how escrow rollover balances are handled, the terms +of the agreements between the escrow agent and borrower may limit the ability to use an escrow balance +in this manner, and the servicer may not apply any positive escrow balance to the payoff of the existing +loan. + +4. Principal Reductions by the loan originator “to” the consumer to meet cash out refinance limits. The + +Regulation also requires that the Closing Disclosure indicate if the principal reduction is being used as a +tolerance cure. This can be accommodated using DisplayLabelText. + +As shown in the following figure, under 25.1 TO, each line item must include a description of the purpose of the +disbursement, including identification of the payee and whether the associated liability is secured by the +property being refinanced. In cases where the funds are not being provided by the borrower, the payor must be +identified (See line item 04, below). The amount of each line item is provided under 25.1.1 AMOUNT. The total +of all Payoffs and Payments is disclosed as line item “K” (25.2.1). + +Payoffs and Payments + +25.0 Use this table to see a summary of your payoffs and payments to others from your loan +amount. + +25.1 TO + +01 Rho Se rvicing to pay off existing loan + +02 Beta Card, Inc. to pay down credit card balance + +Appendix E: UCD Implementation Guide + +Page 237 of 254 + +25.1.1 AMOUNT + +$124,000.00 + +$5,000.00 + +Version 1.4 + +Uniform Closing Dataset + +25.0 Payoffs and Payments - UPDATED + +03 Principal re duction to Michael Jones diff --git a/chunks/txt/d4cfc468dfd17db0a14e535e1db4b9331bad4b4534d1ac043502e5cd131930ef.txt b/chunks/txt/d4cfc468dfd17db0a14e535e1db4b9331bad4b4534d1ac043502e5cd131930ef.txt new file mode 100644 index 0000000000000000000000000000000000000000..f2a02b4cf00640a0990836460c2c115eb9a0a2e3 --- /dev/null +++ b/chunks/txt/d4cfc468dfd17db0a14e535e1db4b9331bad4b4534d1ac043502e5cd131930ef.txt @@ -0,0 +1,50 @@ +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/COMPARISON_DETAIL_EXTENSION/CO +MPARISON_DETAIL_EXTENSION_SECTIO +N[@ExtensionSectionOrganizationName='UNIF +ORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEQualityOfConstructionRatingTyp +e +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Qua +lity']/@_Amount +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/COMPARISON_DETAIL_EXTENSION/CO +MPARISON_DETAIL_EXTENSION_SECTIO +N[@ExtensionSectionOrganizationName='UNIF +ORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTE +NSION_SECTION_DATA/COMPARISON_D +ETAIL/@GSEAgeEstimationIndicator +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Age +']/@_Description +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Age +']/@_Amount + +20 + +String + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +If a view factor not on the list provided materially affects the value of the +property, the appraiser must select 'Other' and enter a description of the view +associated with the property. Free-form descriptions should be entered +carefully because data will be truncated on the appraisal report form if it +exceeds available space for that field. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. diff --git a/chunks/txt/d4f5e5cc4bb22f20550cecdfec6de3ea3983e9f3f8497f39f933a83bb0da6156.txt b/chunks/txt/d4f5e5cc4bb22f20550cecdfec6de3ea3983e9f3f8497f39f933a83bb0da6156.txt new file mode 100644 index 0000000000000000000000000000000000000000..da1cf55f0b5e50c71626a1c4b6cb7468675e2fc1 --- /dev/null +++ b/chunks/txt/d4f5e5cc4bb22f20550cecdfec6de3ea3983e9f3f8497f39f933a83bb0da6156.txt @@ -0,0 +1,41 @@ +Note: For units in projects subject to a ground lease in which the HOA or co-op corporation is the lessee, the lender must ensure +the lease complies with these lease requirements unless the project has been approved by Fannie Mae in Condo Project Manager +(CPM). + +Regardless of the lessee, the lender must ensure the terms of the lease address all of the following: + +• + +• + +• + +The lease must have an unexpired term that exceeds the maturity date of the loan by five (5) years or more. + +The lease must not preclude the borrower's membership or voting rights in the HOA or co-op corporation, as applicable. + +If the loan is secured by a sublease, a default under the master lease will not automatically result in the termination of +the sublease. + +The following table provides additional lease requirements depending on whether the borrower or the HOA or co-op corporation +is the lessee. + +Lease Requirements if the Borrower is the Lessee + +Lease Requirements if the HOA or Co-op +Corporation is the Lessee + +The lease must allow the lease for it (including the lessee's option to +purchase) to be assigned, transferred, mortgaged, and subleased an +unlimited number of times either without restriction or on payment of a +reasonable fee and delivery of reasonable documentation to the lessor. +The lease must not require a credit review or impose other qualifying +criteria on any assignee, transferee, mortgagee, or sublessee. + +The lease may include the following restrictions, if applicable: + +• + +requirements related to Bureau of Indian Affairs (BIA) for +leasehold mortgages on tribal lands, including approval of BIA +and lessor. diff --git a/chunks/txt/d510686288b47db826733de36cad6bc032763731dc4d3472a7a8ba8d877b0966.txt b/chunks/txt/d510686288b47db826733de36cad6bc032763731dc4d3472a7a8ba8d877b0966.txt new file mode 100644 index 0000000000000000000000000000000000000000..fb4ae2b3986a94a92745d4e9f580898021df6824 --- /dev/null +++ b/chunks/txt/d510686288b47db826733de36cad6bc032763731dc4d3472a7a8ba8d877b0966.txt @@ -0,0 +1,76 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='PropertyRights']/@_Description + +SALES +COMPARISON +APPROACH + +Leasehold/Fee Simple +Adjustment + +Sale Price +Adjustment +Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='PropertyRights']/@_Amount + +10 + +20 + +10 + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +20 + +String + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +If a location factor not on the list materially affects the value of the property, the +appraiser must select “Other” and enter a description of the location associated with +the property. Free-form descriptions should be entered carefully because data will be +truncated on the appraisal report form if it exceeds available space for that field. + +This field is required if the value of +field e-15 (GSE Location Type) is +‘Other’. + +CR + +CR + +CR + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Money + +PDF Display Format: +Whole dollars only. + +The sum of this field 3-66 and fields (3- +60, 3-62, 3-64, 3-68, 3-70, 3-72, 3-74, +3-76, 3-78, 3-80, 3-82, 3-84, 3-86, 3- +87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101, +3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. + +CR + +CR + +CR + +String diff --git a/chunks/txt/d513a2208775b43a041078d7b48ef1e018aa11161daf692603df701ee601ab6e.txt b/chunks/txt/d513a2208775b43a041078d7b48ef1e018aa11161daf692603df701ee601ab6e.txt new file mode 100644 index 0000000000000000000000000000000000000000..8bc8745e4f1bbe1cbe613d097256d8f8e56429f9 --- /dev/null +++ b/chunks/txt/d513a2208775b43a041078d7b48ef1e018aa11161daf692603df701ee601ab6e.txt @@ -0,0 +1,53 @@ +covered by the payment, and the total dollar amount. + +11.9 + +For items not already predefined on the Closing Disclosure for which the seller has paid in advance, +the start and end date (inclusive) covered by the payment, and the total dollar amount. Examples +include but are not limited to: other taxes (State, district, and so forth), flood and hazard insurance +premiums with separate payees and separate payment dates, prepaid MI in loan assumptions, +association special assessments (Homeowners, Condominium or Cooperative), seller-owned fuel or +other supplies and ground rent. + +The data points used to provide this information are shown in the table below. The section for which the +prorated item is relevant is specified using the value of IntegratedDisclosureSectionType to identify section K and +IntegratedDisclosureSubsectionType to identify whether that the proration item was Paid by the Seller in +Advance. The line items under Adjustments for Items Paid by Seller In Advance (in section K) are represented +by data under PRORATION_ITEM. This container repeats for each line item identified by ProrationItemType, and +includes the period covered by the payment, if applicable (ProrationItemPaidFromDate and +ProrationItemPaidThroughDate) and the payment amount (ProrationItemAmount). + +Table 112. Adjustments for Items Paid by Seller in Advance + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 +Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +First Instance of PRORATION_ITEM + +11.6 + +N/A – XML + +…/PRORATION_ITEM + +11.6 + +N/A - XML + +IntegratedDisclosur +eSectionType + +DueFromBorrowerAt +Closing diff --git a/chunks/txt/d51fc97398337298a94605b474f224fa87b8aff865a28d12b6c1b8ce0f7712d4.txt b/chunks/txt/d51fc97398337298a94605b474f224fa87b8aff865a28d12b6c1b8ce0f7712d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..e9f0bb12a75168e1d7ac2548fcfbbe49f2665a89 --- /dev/null +++ b/chunks/txt/d51fc97398337298a94605b474f224fa87b8aff865a28d12b6c1b8ce0f7712d4.txt @@ -0,0 +1,21 @@ +Fannie Mae + +Freddie Mac + +Fannie Mae UAD Web Page + +Freddie Mac UAD Web Page + +• Timeline for UAD and Forms + +Redesign + +• Appendix D: Sample Appraisals + +• Appendix F: Reference Guides + +• UAD Video + +• And much more + +April 2025 | 22 diff --git a/chunks/txt/d52110863f3a9630abae660463a89a287fc4efeedd52da7df13b051bd6f92c55.txt b/chunks/txt/d52110863f3a9630abae660463a89a287fc4efeedd52da7df13b051bd6f92c55.txt new file mode 100644 index 0000000000000000000000000000000000000000..e6b16d01e90354fc2038a8b8a6905c35ee476cb2 --- /dev/null +++ b/chunks/txt/d52110863f3a9630abae660463a89a287fc4efeedd52da7df13b051bd6f92c55.txt @@ -0,0 +1,127 @@ +5.2.2 + +Years 1 – 7 +Principal & Interest +($) + +…/PROJECTED_PAY +MENT + +ProjectedPayment +PrincipalAndInteres +tMaximumPaymen +tAmount + +761.78 + +ROF as “$761.78” + +Appendix E: UCD Implementation Guide + +Page 87 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +Table 75. P&I Payments for Loan with Interest-Only Feature + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +Second Instance of PROJECTED_PAYMENT + +5.2.5 + +Years 8 – 30 +Principal & Interest +($) + +…/PROJECTED_PAY +MENT + +ProjectedPayment +PrincipalAndInteres +tMaximumPaymen +tAmount + +795.83 + +ROF as “$795.83” + +5.1.1 | +5.1.2 + +Years 1 – 7 +Principal & Interest + +…/LOAN/INTEREST +_ONLY + +InterestOnlyTerm +MonthsCount + +84 + +End of PROJECTED_PAYMENT Instances + +5.2.3 + +only interest + +…/LOAN_DETAIL + +5.1 + +N/A + +InterestOnlyIndicat +or + +PaymentIncreaseIn +dicator + +true + +true + +▪ Provides the first +column heading +values + +▪ ROF as “Years 1 - + +7” + +ROF as “only +interest” + +Not shown - used +to determine +column structure + +c. NEGATIVE AMORTIZATION FEATURE + +If a loan allows negative amortization, new columns must be provided when the P&I payments adjust or become +fully amortizing. + +For example: Figure 59 illustrates a Graduated Payment Mortgage (GPM) that has a scheduled P&I payment +increase of $100 a year for 4 years. At the end of Year 4 a fixed, fully amortizing payment must be made for the +remainder of the loan term. The final scheduled P&I payment increase amount is reflected as the minimum +payment, and the fully amortizing amount effective at the end of Year 4 is shown as the maximum payment . +Since the actual P&I payment is known, no payment range is needed in Years 1 – 3. In Years 4 – 30, the +remaining P&I payment adjustments are shown as a range. diff --git a/chunks/txt/d525b1c652ec4fd662efea44d483eeb2a685a4e453a97c588c220f7132438f7e.txt b/chunks/txt/d525b1c652ec4fd662efea44d483eeb2a685a4e453a97c588c220f7132438f7e.txt new file mode 100644 index 0000000000000000000000000000000000000000..6229cbc460cd56f5dab82de55d64340b2a032fd6 --- /dev/null +++ b/chunks/txt/d525b1c652ec4fd662efea44d483eeb2a685a4e453a97c588c220f7132438f7e.txt @@ -0,0 +1,125 @@ +25 + +23 + +24 + +Are there any special or unusual characteristics of the project (based on the condominium documents, HOA meetings, or other information) known to the appraiser? + Yes No If Yes, describe and explain the effect on value and marketability. 29 +27 + +28 + +per month X 12 = $ + +Unit Charge $ 30 +Annual assessment charge per year per square feet of gross living area = $ 32 +Utilities included in the unit monthly assessment None Heat Air Conditioning Electricity Gas Water Sewer Cable Other +Source(s) Used for Physical Characteristics of Property Appraisal Files MLS Assessment and Tax Records Prior Inspection Property Owner + Other (describe) 48 +47 + +45 +Data Source(s) for Gross Living Area 49 + +31 per year + +39 + +41 + +37 + +38 + +46 + +36 + +33 + +34 + +43 + +44 + +42 + +35 + +40 + +General Description + +Amenities + +Appliances + +Car Storage + +55 + +Fuel 53 + +Fireplace(s) # 59 +58 + Woodstove(s) # 61 +60 + Deck/Patio 63 +62 + Porch/Balcony 65 +64 + Other 67 +66 + +Floor # 50 +# of Levels 51 +Heating Type 52 + Central AC Individual AC +54 + Other (describe) 57 +56 +Finished area above grade contains: 82 +Are the heating and cooling for the individual units separately metered? Yes No If No, describe and comment on compatibility to other projects in the market area. +88 +Additional features (special energy efficient items, etc.) 89 + +None +74 + Garage Covered Open +75 +# of Cars 78 + Assigned Owned +79 +Parking Space # 81 + +Refrigerator +68 + Range/Oven +69 + Disp Microwave +71 +70 + Dishwasher +72 + Washer/Dryer +73 +Bath(s) 85 + +Square Feet of Gross Living Area Above Grade + +Bedrooms 84 +86 + +Rooms 83 + +80 + +87 + +77 + +76 + +Describe the condition of the property (including apparent needed repairs, deterioration, renovations, remodeling, etc.). e-9; 90 diff --git a/chunks/txt/d528ab7a825de6a85ed8c6240a5442791a24575099f8910c76ce2dee0a2054cb.txt b/chunks/txt/d528ab7a825de6a85ed8c6240a5442791a24575099f8910c76ce2dee0a2054cb.txt new file mode 100644 index 0000000000000000000000000000000000000000..0454589e696bbb8a23b2e4366ff30b156ec373bb --- /dev/null +++ b/chunks/txt/d528ab7a825de6a85ed8c6240a5442791a24575099f8910c76ce2dee0a2054cb.txt @@ -0,0 +1,41 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 47 of 166 + +UAD 3.6 Policy + +SB4-1.1-03, Appraiser Selection Criteria (06/04/2025) + +Introduction + +This topic contains general information on appraiser selection, including: + +• Appraiser Credentials +• Appraiser Trainees and Individuals Providing Significant Real Property Appraisal Assistance +• Knowledge and Experience +• +• + +Selection of the Appraiser +Supervisory Appraiser + +Appraiser Credentials + +Fannie Mae requires a lender (or its authorized agent) to use appraisers or supervisory appraisers that are state-licensed or state- +certified (in accordance with the provisions of Title XI of the Financial Institutions Reform, Recovery and Enforcement Act of 1989 +and all applicable state laws). The lender (or its authorized agent) must document that the appraisers it uses are licensed or +certified as appropriate under the applicable state law. The lender must ensure that the state credential is active as of the +effective date of the appraisal report. The appraiser must note their credential number on the individual appraisal reports, in +compliance with the Uniform Appraisal Dataset (UAD) Specifications. + +The appraisal reports identify the appraiser as the individual who + +• developed the opinion of value, and +• + +signed the appraiser certification as the appraiser. + +Appraiser Trainees and Individuals Providing Significant Real Property Appraisal Assistance + +Fannie Mae allows an appraiser trainee (or other similar classification) to perform a significant amount of the appraisal or the +entire appraisal when they are qualified to do so. diff --git a/chunks/txt/d52fb4a74838106a38b3b53fb83bdedc25021dedcc0e0c4cab2efafaac678376.txt b/chunks/txt/d52fb4a74838106a38b3b53fb83bdedc25021dedcc0e0c4cab2efafaac678376.txt new file mode 100644 index 0000000000000000000000000000000000000000..3d94fc5c1215976f98adc1814c8cdb8f397f95f4 --- /dev/null +++ b/chunks/txt/d52fb4a74838106a38b3b53fb83bdedc25021dedcc0e0c4cab2efafaac678376.txt @@ -0,0 +1,95 @@ +Distressed Market Competition +Graph +Price Trend Source + +18 +$675,000 +$800,000 +$925,000 +No +Median Days on Market +Cowboy County MLS + +Price Trend Analysis Commentary An analysis of the sales in the past year for the subject’s market area shows sales volume to be stable +across the year. Supply and demand are in balance and the absorption rate is in line with historical trends. Sales prices in the market have been +increasing. + +Housing Trends + +Demand/Supply + +Market Exhibits + +Median Days on Market + +In Balance + +Marketing Time + +Under 3 Months + +This is where the Median Days on Market graph would display. + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Current or Relevant Listings + +Data Source + +None +MLS + +Prior Sale and Transfer History + +Subject Transfer History + +Prior sales and/or transfers of the subject property (minimum 3 year look back) +Prior Sales or Transfers + +Data Source + +None +MLS + +Analysis of Prior Sale and Transfer History of Subject Property Built in 2014 and has consistently had one owner in that time frame. + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 15 of 26 + +Prior Sale and Transfer History (continued) + +Comparable Transfer History + +Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back) +# +1 + +Transfer Terms +None + +Data Source +MLS + +Amount + +Date + +2 + +3 + +None + +None + +MLS + +MLS + +Analysis of Prior Sale and Transfer History of Comparable Sales None of the comparables utilized in the report have had any additional +transfers in the past 12 months. diff --git a/chunks/txt/d56008eced82fd22601f8a802a5f274c8014e42ce55f5b4ba8de7fb38d4ff693.txt b/chunks/txt/d56008eced82fd22601f8a802a5f274c8014e42ce55f5b4ba8de7fb38d4ff693.txt new file mode 100644 index 0000000000000000000000000000000000000000..e16542372832d38f40fd29a80645e5745babf5bc --- /dev/null +++ b/chunks/txt/d56008eced82fd22601f8a802a5f274c8014e42ce55f5b4ba8de7fb38d4ff693.txt @@ -0,0 +1,127 @@ +Specifies the appraisal's conclusion's +dependency on future repairs or activities. + +/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_COND +ITION_OF_APPRAISAL[@_Type=‘AsIs’] + +20 + +Enumerated UAD Requirement - Refer to Appendix D Reconciliation Section + +Either field 2-129 (Valuation Reconciliation +Condition of Appraisal Type = 'AsIs'), or at +least one of fields 2-130, 2-131, 2-132 (other +values of Valuation Reconciliation Condition of +Appraisal Type) must be indicated. If field 2- +129 is indicated, then none of fields 2-130, 2- +131, 2-132 may be indicated. + +CR + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 202 of 211 + +Document Version 1.4 + +R + +R + +T + +T + +R + +R + +T + +T + +T + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +376 + +2 + +130 + +RECONCILIATION + +The appraisal is made “subject to +completion” + +377 + +2 + +131 + +RECONCILIATION + +The appraisal is made “subject to +the following repairs” + +Valuation +Reconciliation +Condition of +Appraisal Type + +Valuation +Reconciliation +Condition of +Appraisal Type + +Specifies the appraisal's conclusion's +dependency on future repairs or activities. + +/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_COND +ITION_OF_APPRAISAL[@_Type=‘SubjectToCompletion’] + +20 + +Enumerated + +UAD Requirement - Refer to Appendix D Reconciliation Section +A separate Valuation Reconciliation Condition of Appraisal element must be +populated for each box that is checked. + +Specifies the appraisal's conclusion's +dependency on future repairs or activities. diff --git a/chunks/txt/d562036b4123f0155655b1e0077ae5f83aa656b64be6dea6c35bc888bf82b4bc.txt b/chunks/txt/d562036b4123f0155655b1e0077ae5f83aa656b64be6dea6c35bc888bf82b4bc.txt new file mode 100644 index 0000000000000000000000000000000000000000..fdb8a52cf12fb0c88a00822d33c47c99c32151e4 --- /dev/null +++ b/chunks/txt/d562036b4123f0155655b1e0077ae5f83aa656b64be6dea6c35bc888bf82b4bc.txt @@ -0,0 +1,25 @@ +[F​HFA ​Announces New and Expanded Statistical Products from the National Mortgage Database](/news/news-release/fhfa-announces-new-and-expanded-statistical-products-from-the-national-mortgage-database) (6/30/2021) + +[FHFA and CFPB Release Additional Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-additional-data-from-the-national-survey-of-mortgage-originations-for-public) (2/20/2020) + +[FHFA Releases U.S. Mortgage Statistics from the National Mortgage Database](/news/news-release/fhfa-releases-u.s.-mortgage-statistics-from-the-national-mortgage-database) (12/12/2018) + +[FHFA and CFPB Release National Survey of Mortgage Originations Dataset for Public Use](/news/news-release/fhfa-and-bcfp-release-national-survey-of-mortgage-originations-dataset-for-public-use) (11/8/2018) + +[FHFA and CFPB Partner on Development of National Mortgage Database](/news/news-release/fhfa-and-cfpb-partner-on-development-of-national-mortgage-database) (11/1/2012) + +**Data** + +[NMDB Aggregate Statistics](/data/nmdb) (12/30/2025) + +[NSMO Public Use File](/data/nsmo)(10/24/2025) + +**Technical Documentation** + +[NMDB](/document/NMDB-Technical-Documentation.pdf) (12/28/2022) + +[NSMO](/document/nsmo-technical-report-v60.pdf) (10/24/2025) + +**FHFA Stats Blog** + +[Recent Changes in Mortgage-Related Housing Consumption Costs: Evidence from the National Mortgage Database](/blog/statistics/recent-changes-in-mortgage-related-housing-consumption-costs-evidence-from-the-national-mortgage) (7/16/2024) diff --git a/chunks/txt/d578022538fe45f4323115b5d957f63b9650781dc886201523edebcc2d0d1dae.txt b/chunks/txt/d578022538fe45f4323115b5d957f63b9650781dc886201523edebcc2d0d1dae.txt new file mode 100644 index 0000000000000000000000000000000000000000..d222ccddc132c4e087459e23e295c3aef0e98c7b --- /dev/null +++ b/chunks/txt/d578022538fe45f4323115b5d957f63b9650781dc886201523edebcc2d0d1dae.txt @@ -0,0 +1,208 @@ +Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3) + +Uniform Residential Appraisal Report + +Page 17 of 23 + +Sales Comparison Approach + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +General Information + +Property Address + +14568 Generic Rd +Out There, VA 56789 + +35361 Place Rd +Out There, VA 56789 + +38243 Place Rd +Out There, VA 56789 + +35422 Place Rd +Out There, VA 56789 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Site + +Site Size + +View | Range + +Dwelling(s) + +Year Built + +Dwelling Style + +Heating + +This is where the +Dwelling Front photo +would display. + +This is where the +Comparable 1 photo +would display. + +This is where the +Comparable 2 photo +would display. + +This is where the +Comparable 3 photo +would display. + +Assessor Record | MLS 134710 Assessor Record | MLS 133832 Assessor Record | MLS 134531 + +$799,900 + +Pending + +$770,000 + +No + +08/20/2019 + +79 + +Detached + +Fee Simple + +14.19 Acres + +No + +06/01/2019 + +08/01/2019 + +7 + +Detached + +Fee Simple + +15.15 Acres + +Local Road +| Asphalt + +3.9 Miles N + +$855,000 + +Settled Sale + +— + +$825,000 + +$0 + +$0 + +6.56 Miles E + +$779,000 + +Settled Sale + +— + +$765,000 + +$0 + +$0 + +No + +07/01/2018 + +01/01/2019 + +76 + +Detached + +Fee Simple + +4.04 Miles N + +$799,999 + +Settled Sale + +— + +$775,000 + +$0 + +$0 + +No + +04/01/2019 + +08/01/2019 + +94 + +Detached + +Fee Simple + +$0 + +14.37 Acres + +$0 + +12.81 Acres + +$25,000 + +$0 + +$0 + +$0 + +$0 + +$0 diff --git a/chunks/txt/d58b268997477756c51ef050c9c7b4ed9cc04041d8e0df6d2176f275f1431640.txt b/chunks/txt/d58b268997477756c51ef050c9c7b4ed9cc04041d8e0df6d2176f275f1431640.txt new file mode 100644 index 0000000000000000000000000000000000000000..0e01ce797c49f28f195f5d1ba4806e1dfdb57f92 --- /dev/null +++ b/chunks/txt/d58b268997477756c51ef050c9c7b4ed9cc04041d8e0df6d2176f275f1431640.txt @@ -0,0 +1,116 @@ +Note: For site condos, select No for Site Owned in +Common, and Condominium for Project Legal +Structure. + +Number of separate living units on the subject +property, not counting any ADUs. ADUs are entered in +a separate field (3.006) but are considered in the +overall unit count. +Examples: +• + +A single-family property (with or without an +ADU) is reported as 1 unit in this field. +A three-unit property (with or without an ADU) is +reported as 3 units in this field. + +• + +1.022 + +Accessory +Dwelling Units + +Always displays + +Number + +Subject Property +• + +Number of ADUs +on Subject +Property 3.006 + +ADUs may be in the dwelling, attached to the dwelling, +or associated with a separate building (outbuilding). If +0, there are no ADUs on the property. + +1.023 + +Property Rights +Appraised + +When the property +is not in a +cooperative + +Displays an allowable +answer from the +Definition / +Additional Guidance +column + +Subject Property +• + +Property Rights +Appraised 3.019 + +• +• +• + +Fee Simple +Leasehold +Other (Describe) + +Checkbox always +displays + +Yes | No + +Highest and Best Use +• +Highest and Best +Use 16.004 + +Highest and Best Use +After consideration of all four tests, indicates whether +the present or proposed use is the highest and best +use of the site. + +1.024 + +Is the highest +and best use of +the subject +property as +improved (or as +proposed per +plans and +specifications) +the present use? + +Appendix F-1: URAR Reference Guide + +Page 28 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +01 Summary + +Report Label + +When Displayed in +Summary Section + +Allowable Answers / +Format + +Origin of Information +(Section) + +Definition / Additional Guidance diff --git a/chunks/txt/d59033595f2ec90528b9a35262e44134f7050dbc967cc2e1d981c583a7022fa9.txt b/chunks/txt/d59033595f2ec90528b9a35262e44134f7050dbc967cc2e1d981c583a7022fa9.txt new file mode 100644 index 0000000000000000000000000000000000000000..c0a9c25e676d5dc49ac4d8a9beb3f25982e51d5d --- /dev/null +++ b/chunks/txt/d59033595f2ec90528b9a35262e44134f7050dbc967cc2e1d981c583a7022fa9.txt @@ -0,0 +1,25 @@ +[View More](/data/dashboard/dts/single-family/2024) + +- ## FHFA HPI® Calculator + +The FHFA House Price Calculator estimates what a given house purchased at a point in time would be worth today if it appreciated at the average appreciation rate of all homes in the area. + +[View More](/house-price-index?tab=hpi-calculator) + +- ## FHFA HPI® Four-Quarter Appreciation Map + +A map displaying four-quarter (year-over-year) house price appreciation rates at the national, state, and MSA level. It is based on the purchase-only, seasonally adjusted index using prices from sales transactions of mortgage data obtained from the Enterprises. + +[View More](/data/dashboard/fhfa-hpi-four-quarter-appreciations) + +- ## FHFA HPI® Top 100 Metro Area Rankings + +The FHFA HPI® is the nation’s only public, freely available index that measures changes in single-family house prices based on data covering all 50 states and over 400 American cities. Extending back to the mid-1970s, the HPIs are built on tens of millions of home sales and offer insights about house price fluctuations at national, census division, state, metro area, county, ZIP code, and census tract levels. + +[View More](/data/dashboard/fhfa-hpi-top-100-metro-area-rankings) + +- ## National Mortgage Database (NMDB®) Outstanding Residential Mortgage Statistics Dashboard + +Interactive data visualization tool for displaying the data published in the Outstanding Residential Mortgage Statistics data series of the NMDB Aggregate Statistics. Users can interactively create, analyze, and export custom charts and data tables. + +[View More](/data/dashboard/nmdb-aggregate-statistics) diff --git a/chunks/txt/d59f87c4058503d572eb13e67aec8efb65dfedf0a617d882779ab1df69950e03.txt b/chunks/txt/d59f87c4058503d572eb13e67aec8efb65dfedf0a617d882779ab1df69950e03.txt new file mode 100644 index 0000000000000000000000000000000000000000..71005f19dcde18f8dfb15d5fb9ff9c6bd3a67a10 --- /dev/null +++ b/chunks/txt/d59f87c4058503d572eb13e67aec8efb65dfedf0a617d882779ab1df69950e03.txt @@ -0,0 +1,113 @@ +Commentary on the nature of the non-residential use and / or modifications, +including the extent of the changes and whether they have an adverse impact +on marketability as a residential property. + +Site: Property Access + +Report +Field ID + +Report Label + +When to Include + +4.020 + +Primary Access + +Always required + +Allowable +Answers / Format + +Choose an +allowable answer +from table +(Primary Access to +Property) + +Definition / Additional Guidance + +Primary Access to Property: The primary ingress and egress method to the +property. +• +• +• +• +• Waterway +• + +Pedestrian Only Access +Private Airstrip +Private Street +Public Street + +Other (Describe) + +Notes: +• + +• + +For condominiums, cooperatives, and condops, reference published +guidelines by the GSEs, government agencies, or other identified +secondary market participants for specific guidance. +Photo(s) of the property access must be provided, which display in Site +Exhibits with the caption “Property Access (Street Scene)”. An additional +caption may be provided to further identify the photo. + +Appendix F-1: URAR Reference Guide + +Page 59 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Site + +Site: Property Access + +Report +Field ID + +4.021 + +Report Label + +When to Include + +Street Type and +Surface + +Required for each +street if Primary +Access to Property is +Public Street, or +Private Street + +Allowable +Answers / Format + +Choose one or +more allowable +answers from +table (Street Type) + +4.021 + +Street Type and +Surface + +Required for each +street if Primary +Access to Property is +Public Street, or +Private Street + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column diff --git a/chunks/txt/d5ca8475ca2554d6b2812104e82df4f708cf5ea8661392e3d06e42edb50762a7.txt b/chunks/txt/d5ca8475ca2554d6b2812104e82df4f708cf5ea8661392e3d06e42edb50762a7.txt new file mode 100644 index 0000000000000000000000000000000000000000..1feb929ab274f6f45d25a882b8ddd4048bf68f4d --- /dev/null +++ b/chunks/txt/d5ca8475ca2554d6b2812104e82df4f708cf5ea8661392e3d06e42edb50762a7.txt @@ -0,0 +1,82 @@ +Appendix F-1: URAR Reference Guide + +Page 202 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +19 Subject Listing Information + +Total Days on Market + +Subject Listing Information: Total Days on Market + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +19.010 Total DOM + +Required if Current or +Relevant Listings is Yes + +Number + +Total Days on Market: Number of days that the subject was actively available +on the market. + +Notes: +• +• +• + +Represents the sum of Days on Market for all listings in the table. +Does not include breaks within listings or between listing periods. +Can be 0, such as when the only listing was not listed on the open market +through a publicly available source (e.g., Listing Type is FSBO (For Sale by +Owner)) + +Analysis of Subject Property Listing History + +Subject Listing Information: Analysis of Subject Property Listing History + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +19.011 Analysis of + +Subject Property +Listing History + +Required if Current or +Relevant Listings is Yes + +Free-form + +Definition / Additional Guidance + +The appraiser must analyze information pertinent to the subject listing history +that is not captured in the discrete data. This could include an explanation of +why there are variations from the typical time on market or multiple times on +and off the market. + +Subject Listing Information Exhibits + +All photos or images related to the Subject Listing Information section are displayed in the Subject Listing +Information Exhibits subsection. If there are no photos or images, this subsection does not display. diff --git a/chunks/txt/d5ca864fae93610bbde72988dcdbaa4d27667e9adc8d264522bd19282e64f6bf.txt b/chunks/txt/d5ca864fae93610bbde72988dcdbaa4d27667e9adc8d264522bd19282e64f6bf.txt new file mode 100644 index 0000000000000000000000000000000000000000..179287e2fd76676b4fe07b518d8cfa8c0a6c606b --- /dev/null +++ b/chunks/txt/d5ca864fae93610bbde72988dcdbaa4d27667e9adc8d264522bd19282e64f6bf.txt @@ -0,0 +1,159 @@ +Refer to Appendix E for PDF Rendering and Parsing Instructions. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +11 + +Money + +PDF Display Format: +Whole dollars only. + +R + +R + +R + +This field is required if field 1-33 (Appraisal +Purpose Type = 'Purchase') is indicated. + +CR + +CR + +CR + +12 + +Money + +PDF Display Format: +In dollars, to two decimal places. + +This field should be populated if field 2-13 +(Property Sales Amount) is populated. + +T + +R + +T + +R + +T + +R + +250 + +2 + +12c + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +Property Postal Code + +The postal code (zip code in the US) +of the subject property. Zip code may +be either 5 or 9 digits. + +/VALUATION_RESPONSE/PROPERTY/@_P +ostalCode + +10 + +String + +251 + +2 + +13 + +SALES +COMPARISON +APPROACH + +Sale Price + +Property Sales +Amount + +The sales price of the referenced +property. + +252 + +2 + +14 + +SALES +COMPARISON +APPROACH + +Sale Price/Gross Liv. +Area + +Sales Price Per Gross +Living Area Amount + +The sales price in terms of dollars per +square foot of gross living area. This +is a ratio between the sales price and +an area, but it is a monetary value +rather than a factor or rate. +(CALCULATED RESULTS FIELD) + +253 + +2 + +e-14 + +SALES +COMPARISON +APPROACH + +Location + +GSE Overall +Location Rating Type + +The overall rating of the location +associated with the property. + +254 + +2 + +e-15 + +SALES +COMPARISON +APPROACH + +Location + +GSE Location Type + +The type of location influences +associated with the property. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/ +@PropertySalesAmount + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/ +@SalesPricePerGrossLivingAreaAmount diff --git a/chunks/txt/d5ce68e76ba7219313605218de3e539b0ed43e2d4552efca4ac52a5a6b2e263d.txt b/chunks/txt/d5ce68e76ba7219313605218de3e539b0ed43e2d4552efca4ac52a5a6b2e263d.txt new file mode 100644 index 0000000000000000000000000000000000000000..fe353712a0d40f5dbb14a63eae56b16e822be4d6 --- /dev/null +++ b/chunks/txt/d5ce68e76ba7219313605218de3e539b0ed43e2d4552efca4ac52a5a6b2e263d.txt @@ -0,0 +1,97 @@ +This field may not exist in all forms +vendor software. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier + +5 + +6 + +7 + +8 + +9 + +10 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH +SALES +COMPARISON +APPROACH +SALES +COMPARISON +APPROACH + +Number of Comparable Listings + +Comparable Listings Price +Range Low + +Comparable Listings Price +Range High + +Specifies the total number of comparable +property listings researched. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableListingsResearchedCount + +Specifies the low listing value in the +range of values within the group of +comparable listing properties researched. + +Specifies the high listing value in the +range of values within the group of +comparable listing properties researched. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableListingsPriceRangeLowAmount + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableListingsPriceRangeHighAmount + +Number of Comparable Sales + +Comparable Sales +Researched Count + +Specifies the total number of comparable +property sales researched. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableSalesResearchedCount + +Comparable Sales Price Range +Low + +Comparable Sales Price Range +High + +Comparable Sales +Price Range Low +Amount +Comparable Sales +Price Range High +Amount + +Specifies the low sale value in the range +of values within the group of comparable +sales researched. +Specifies the high sale value in the range +of values within the group of comparable +sales researched. diff --git a/chunks/txt/d5d5089b573cd362e49d28f40abe6ec105ac9446a68b29bbde769f4ca70982ad.txt b/chunks/txt/d5d5089b573cd362e49d28f40abe6ec105ac9446a68b29bbde769f4ca70982ad.txt new file mode 100644 index 0000000000000000000000000000000000000000..250e4d5a63c42f72443c5ab7639ccae6509b26c1 --- /dev/null +++ b/chunks/txt/d5d5089b573cd362e49d28f40abe6ec105ac9446a68b29bbde769f4ca70982ad.txt @@ -0,0 +1,71 @@ +198000 + +Comparables #1 and 2 are similar in function and utility as they are both two unit, two building properties and adjust towards the lower end of the range. Hazard zone adjustment is based on market adjustment for differences between location in USGS Lava Flow Zones 2 and 3. Ranges for price per unit and bedroom count are supportive of the value estimate. Comparable #2 has the least gross adjustments in the sales comparison approach, is the most similar in style, quality and condition, and is given most weight. + +195000 + +false + +false + +true + +All mineral rights are held by the state of Hawaii. + +true + +true + +false + +false + +false + +Purchase + +AppraiserSupervisor + +I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. I performed an appraisal on April 13, 2018. + +HazardZones + +There is volcanic activity in the Puna District on the southeast portion of the island of Hawaii. + +Adverse + +ZoningCompliance + +Neutral + +Assignment + +Additional commentary can be added here, if needed by Appraiser. + +SubjectProperty + +Additional commentary can be added here, if needed by Appraiser. + +Site + +Additional commentary can be added here, if needed by Appraiser. + +Market + +Additional commentary can be added here, if needed by Appraiser. + +SiteInfluences + +Additional commentary can be added here, if needed by Appraiser. + +SiteViews + +Additional commentary can be added here, if needed by Appraiser. + +SiteFeatures + +Additional commentary can be added here, if needed by Appraiser. + +SubjectPropertyAmenities + +Each unit has its own outdoor shower. diff --git a/chunks/txt/d5e5c1387714f737421d9bca3283c52b978de73ea4356b202be609d5635f1dca.txt b/chunks/txt/d5e5c1387714f737421d9bca3283c52b978de73ea4356b202be609d5635f1dca.txt new file mode 100644 index 0000000000000000000000000000000000000000..ee95af48533386ee2999280face052e147eeaa22 --- /dev/null +++ b/chunks/txt/d5e5c1387714f737421d9bca3283c52b978de73ea4356b202be609d5635f1dca.txt @@ -0,0 +1,101 @@ +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA +GE/@GuestParkingSpacesCount +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='SubjectPhase']/@PlannedUnitsCount +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='SubjectPhase']/@CompletedUnitsCount +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='SubjectPhase']/@UnitsForSaleCount +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='SubjectPhase']/@UnitsSoldCount +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='SubjectPhase']/@UnitsRentedCount + +PROJECT +INFORMATION + +Subject Phase +# of Owner Occupied Units + +Owner Occupied +Unit Count + +The number of units occupied by their +owners. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='SubjectPhase']/@OwnerOccupiedUnitCount + +165 + +1 + +158 + +PROJECT +INFORMATION + +If Project Completed +# of Phases + +Development Stage +Total Phases Count + +Number of phases that exist in the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='Complete']/@_TotalPhasesCount + +166 + +1 + +159 + +PROJECT +INFORMATION + +If Project Completed +# of Units + +Completed Units +Count + +Total number of completed living units. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='Complete']/@CompletedUnitsCount + +167 + +1 + +160 + +PROJECT +INFORMATION + +If Project Completed +# of Units for Sale + +Units For Sale +Count + +Total number of living units for sale. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='Complete']/@UnitsForSaleCount + +168 + +1 + +161 + +PROJECT +INFORMATION + +If Project Completed +# of Units Sold + +Units Sold Count diff --git a/chunks/txt/d5ea4ade29fe91abaa737be20eb3f4d6cf8cb6303c3e3477065aceec0c94905c.txt b/chunks/txt/d5ea4ade29fe91abaa737be20eb3f4d6cf8cb6303c3e3477065aceec0c94905c.txt new file mode 100644 index 0000000000000000000000000000000000000000..f8f4192c30a9935a1d8bc2b453f1d1be1416c91b --- /dev/null +++ b/chunks/txt/d5ea4ade29fe91abaa737be20eb3f4d6cf8cb6303c3e3477065aceec0c94905c.txt @@ -0,0 +1,32 @@ +Loan Application Data Errors + +-------------------------------------------------------------------------------- + +ERROR – USDA Rural Development loans are not supported. Resubmit as another mortgage type, if applicable. If assistance is +still required, contact Fannie Mae Technology Support (1-800-2FANNIE). + +© 2024 Fannie Mae. + +02.22.24 + +2 of 3 + +Invalid FHA Lender ID + +FHA loan casefiles submitted or resubmitted using Preliminary Findings with an FHA Lender ID of 9999999999 will now receive an +Error specifying that a valid FHA Lender ID was not provided. A valid FHA Lender ID will need to be provided for the loan casefile to +be underwritten through DU. + +Release Support + +This update will be implemented in the DU integration environment on or around March 20, 2024. + +If you have questions about the integration impact or if you require support specific to this update, contact your Technology +Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae +representative. + +© 2024 Fannie Mae. + +02.22.24 + +3 of 3 diff --git a/chunks/txt/d5eee8b7b165f68033beb86ebff32366b0cfb79feca624c6116206df5bae20c6.txt b/chunks/txt/d5eee8b7b165f68033beb86ebff32366b0cfb79feca624c6116206df5bae20c6.txt new file mode 100644 index 0000000000000000000000000000000000000000..379105dcaecb77463ae000e27b0246cc2f3f0e61 --- /dev/null +++ b/chunks/txt/d5eee8b7b165f68033beb86ebff32366b0cfb79feca624c6116206df5bae20c6.txt @@ -0,0 +1,17 @@ +26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government +sponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance +transaction that involves any one or more of these parties. A person or entity who receives a copy of an appraisal report does not become +an intended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable) +shall have no liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this +appraisal report was prepared. + +27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties +including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar +state laws. + +29. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. diff --git a/chunks/txt/d60b364b818587890908e87cee18d146f02d8383086583771b5e1d90119918db.txt b/chunks/txt/d60b364b818587890908e87cee18d146f02d8383086583771b5e1d90119918db.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b6c18cd9cf4532d5f37aacbda2181adae28d689 --- /dev/null +++ b/chunks/txt/d60b364b818587890908e87cee18d146f02d8383086583771b5e1d90119918db.txt @@ -0,0 +1,82 @@ +Other Costs + +8.0 + +8.1 E. Taxes and Other Government Fees +018.2 Recording Fees Deed: 8.2.1 $40.00 Mortgage: + +8.1.1 $85.00 + +8.2.2 + +$40.00 8.2.3 + +8.2.4 + +8.2.5 + +8.2.6 + +8.4 F. Prepaids +018.5 Homeowner’s Ins Premium (12 mo.) to Ins Co8.5.1 8.5.2 $1,209.96 8.5.3 + +8.4.1 $2,229.80 + +8.5.4 + +8.5.5 + +8.5.6 + +8.10 G. Initial Escrow Payment at Closing +018.11 Homeowner’s Ins ($100.83 per month for 2 mo.) + +8.11.1 + +8.10.1 $630.25 + +8.11.2 $201.66 + +8.11.4 + +8.11.6 + +8.16 H. Other + +8.16.1 $1,650.00 + +018. 17 HOA Special Assessment to HOA Acre Inc. 8.17.1 8.17.2 $500.00 8.17.3 + +8.17.4 + +8.17.5 + +8.17.6 + +8.18 I. TOTAL OTHER COSTS (Borrower-Paid) + +8.18.1 $4,595.05 + +8.19 Other Cost Subtotals (E + F + G + H) + +8.19.2 $4,268.05 8.19.3 + +Figure 80. Other Costs Table + +A. CATEGORY AND SUBCATEGORY DATA + +Table 94 illustrates that multiple instances of INTEGRATED_DISCLOSURE_SECTION_SUMMARY identify and +convey headings, totals and subtotals for the Other Costs table. The data points supporting the line items for +each subcategory come from the body of the MISMO Reference Model. + +Table 98. Other Costs Table Category and Subcategory Data + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute diff --git a/chunks/txt/d60db98f8394daf754a99e6af44f13c2640b131f60376aef626bbf8b3052708a.txt b/chunks/txt/d60db98f8394daf754a99e6af44f13c2640b131f60376aef626bbf8b3052708a.txt new file mode 100644 index 0000000000000000000000000000000000000000..34a162bc9763841985551f01caf77ee793e9ea10 --- /dev/null +++ b/chunks/txt/d60db98f8394daf754a99e6af44f13c2640b131f60376aef626bbf8b3052708a.txt @@ -0,0 +1,64 @@ +Text Conditionality + +Always displays + +Always displays + +Statement of Assumptions and Limiting Conditions + +Appendix B-1: URAR Implementation Guide v1.3 + +The Statement of Assumptions and Limiting Conditions subsection always displays. + +Page 367 + +Report +Field ID + +29.014 + +29.015 + +Statement of Assumptions and Limiting Conditions Text + +The appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary. +If the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist +the reader in visualizing the property and understanding the appraiser’s determination of its size. + +Display Rules + +Always displays + +Always displays + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 368 + +Report +Field ID + +29.016 + +29.017 + +29.018 + +Statement of Assumptions and Limiting Conditions Text + +The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans, +flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property +data services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has +used only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no +guarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser +assumes the property characteristics and supporting information have not changed in the interim. +The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. +The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous +wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this +appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or +warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing +that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, +this appraisal report must not be considered as an environmental assessment of the property. diff --git a/chunks/txt/d60e08b0b3c2ca1b5eae7addd0f41a2af87c567ed00cd89eb31f770c9a219cc1.txt b/chunks/txt/d60e08b0b3c2ca1b5eae7addd0f41a2af87c567ed00cd89eb31f770c9a219cc1.txt new file mode 100644 index 0000000000000000000000000000000000000000..d591e7da5420dd56e378973e5e6351dcae4d87a8 --- /dev/null +++ b/chunks/txt/d60e08b0b3c2ca1b5eae7addd0f41a2af87c567ed00cd89eb31f770c9a219cc1.txt @@ -0,0 +1,25 @@ +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/14316","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/d60eb9db081a20dc8215b4053a6b8ac64c38f0fdad6b144250fa3bd075275b54.txt b/chunks/txt/d60eb9db081a20dc8215b4053a6b8ac64c38f0fdad6b144250fa3bd075275b54.txt new file mode 100644 index 0000000000000000000000000000000000000000..e6ac0eb4411824d82876be2720d317d745a02a8a --- /dev/null +++ b/chunks/txt/d60eb9db081a20dc8215b4053a6b8ac64c38f0fdad6b144250fa3bd075275b54.txt @@ -0,0 +1,66 @@ +Signature + +Appraiser +Amy Appraiser +Amy Appraiser + +08/21/2009 + +Date of Signature and Report + +Level +ID +State +Expires + +Licensed Residential +3333333333 +MD +10/21/2010 + +Appraiser Reference ID LN32942301Client Reference ID 456-8124Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Repair (CR1) + +Completion Report Scenario 2 – Per Plans and Specs (CR2) + +Introduction + +This appraisal was made subject to completion per plans and specs of a proposed barn having been +completed. The subject was re-inspected after the barn was complete. The re-inspection reported a 20’ +x 12’ door was installed where the original plans called for a 12’ x 8’ door. The change in dimension of +the door was determined to have no measurable impact on the utility or marketability of the barn or +property. + +Key Characteristics + +• + +• + +Construction was completed in a manner that was inconsistent with the original plans and +specifications. +Appraiser commented that the inconsistency had no measurable impact on the marketability of the +property. + +• Original floorplan of the barn was provided for reference. +• + +Photo of the inconsistent item was provided in addition to the photo of the completed construction. + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the completion report. + +The Completion Report sample scenario begins on the next page. +This cover section, including Introduction and Key Characteristics, +is not part of the Completion Report. + +Completion Report + +Subject Property + +Physical Address + +County + +456 Something Rd +Somewhere, VA 12345 +Fabricated diff --git a/chunks/txt/d61a8297f911164d9b578467f60eb42f0c4ad8ed961e26ad29987702794f0640.txt b/chunks/txt/d61a8297f911164d9b578467f60eb42f0c4ad8ed961e26ad29987702794f0640.txt new file mode 100644 index 0000000000000000000000000000000000000000..0fc6f7b8acdd100df54c3f90f1f43b09508cda11 --- /dev/null +++ b/chunks/txt/d61a8297f911164d9b578467f60eb42f0c4ad8ed961e26ad29987702794f0640.txt @@ -0,0 +1,40 @@ +LIABILITY_3.2 has a LiabilityPayoffStatusIndicator = “false”, and it is structured to represent only the +portion of the liability which will remain after the partial payoff. + +Consequently, the LiabilityUnpaidBalanceAmount is set to $9,000 which is the amount remaining after the +$6,000 payment. The HELOCMaximumBalanceAmount is set to the full $40,000 which remains in place. + +Scenario 3 Calculations: + +Calculating the LTV: Loan Amount / Property Value + +Using the example data: 230,000 / 350,000 = 65.71% +DU Findings rounds up: 66% + +Calculating Combined LTV: (Loan Amount + Liability Unpaid Balance Amount) / Property Value + +Using the example data: (230,000 + 9,000) / 350,000 = 68.29% +DU Findings rounds up: 69% + +Calculating HCLTV: (Loan Amount + HELOC Credit Limit Amount) / Property Value + +21 + +Using the example data: (230,000 + 40,000) / 350,000 = 77.14% DU +Findings rounds up: 78% + +14. How are sections “L1. Property and Loan Information” and “L4. Qualifying the Borrower” on +the Lender Loan Information URLA completed for Construction-to-Permanent loans? + +Construction-to-permanent financing can be structured as a transaction with one closing or a transaction +with two separate closings. This FAQ will highlight the XML data and the relevant Lender Loan Information +URLA section “L1. Property and Loan Information” and “L4. Qualifying the Borrower” to illustrate a +Single-Closing Limited Cash Out Refinance and a Two-Closing Limited Cash Out Refinance. + +Single-Closing Construction-to-Permanent Transactions + +A single-closing construction-to-permanent mortgage loan may be closed as: + +• Purchase transaction - The borrower is not the owner of the lot at the time of the first advance of +interim construction financing, and the borrower is using the proceeds from the interim construction +financing to purchase the lot and finance the construction of the property. diff --git a/chunks/txt/d61c9489b91f2e0812b14881c0c72c992f7b0bd28c2ff0d132998d904cf03e51.txt b/chunks/txt/d61c9489b91f2e0812b14881c0c72c992f7b0bd28c2ff0d132998d904cf03e51.txt new file mode 100644 index 0000000000000000000000000000000000000000..f47c009915aec55f1a2f57c3404db67423e6f3d2 --- /dev/null +++ b/chunks/txt/d61c9489b91f2e0812b14881c0c72c992f7b0bd28c2ff0d132998d904cf03e51.txt @@ -0,0 +1,15 @@ +The UCD collection solution will enable correspondent lenders to transfer UCD data to an aggregator once a relationship has been established between the two organizations. A Transfer icon is available from the Findings Report, allowing the ability to transfer UCD data. The receiving organization will then be able to search for and view the UCD Findings Report, PDF of the Closing Disclosure (if embedded), and the UCD XML file. Please refer to the [Transfer Capability Quick Guide](/media/document/pdf/quick-guide-transfer-capability) for detailed information. + +**NOTE**: This is optional functionality and is not required to comply with the UCD requirements. + +**Q35. Can I “Transfer” the UCD Data to more than 1 aggregator?** + +Lenders will have the option to transfer a UCD file to a subsequent lender. For example: + +- Lender A transfers the UCD File to Lender B +- Lender B transfers the same UCD file to Lender C +All three lenders will then have access to the UCD Findings Report, UCD XML file, and the embedded Borrower Closing Disclosures. Please refer to the [UCD Transfer Quick Guide](/media/document/pdf/quick-guide-access-ucd-non-sellers) for more information. + +**Q36. What if my company wants to take advantage of the Transfer capability from correspondent to aggregator? Will it automatically be available?** + +Lenders will have the ability to transfer UCD data if they have the UCD_ADMIN and UCD_SUBMIT roles in Technology Manager. This functionality is available through the UCD collection solution user interface or via direct integration. To establish relationships, a designee must be identified with the UCD_ADMIN role in Technology Manager. Note: Establishing a relationship is a *one-time only* activity between the organizations to transfer UCD data. Refer to the [Relationship Establishment for Transfer Capability from Correspondent to Aggregator Quick Guide](/media/document/pdf/quick-guide-relationship-establishment-transfer-capability-correspondent-aggregator)for additional guidance. diff --git a/chunks/txt/d625d874981073125f4b08dc1e7f4ca7c33d530fe5e809beef8ab4c4decef16a.txt b/chunks/txt/d625d874981073125f4b08dc1e7f4ca7c33d530fe5e809beef8ab4c4decef16a.txt new file mode 100644 index 0000000000000000000000000000000000000000..bf60efbee33491846e70fb8255703e3bf3767d42 --- /dev/null +++ b/chunks/txt/d625d874981073125f4b08dc1e7f4ca7c33d530fe5e809beef8ab4c4decef16a.txt @@ -0,0 +1,66 @@ +Desktop Underwriter Validation Service + +Integration Impact Memo + +Aug. 27, 2020 + +Updated Sept. 30, 2020 + +During the weekend of Oct. 31, Fannie Mae will implement changes to modernize the technology supporting the Desktop +Underwriter® (DU®) validation service. As part of the modernization effort, the manner in which the parameter data is populated for +some DU “list” messages will change. + +Sept. 28: New Reason Codes have been added to two existing messages, see table on page 2. + +These changes will apply to all new casefiles created on or after Nov. 2. + +How will this affect my integrated system(s)? + +Parameter Data Changes Impacting List Messages + +Integrated systems that parse the DU Underwriting Codified Findings (XML file) or report data file (RES file) may require updates to +support the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may also require +updates to support the message changes. Reference the table below for more details regarding the message changes. + +Message +ID + +Message +Name + +Parameter(s) + +Current Behavior + +After the Release + +2931 + +FF-REPORT- +EXPIRATION + +Reasons + +When a Verification of Deposit report is received, +but cannot be used for validation, only one +reason is provided even if more reasons exist. + +3309 + +DVS-INCOME- +VALIDATED + +Income Type, +DU Vendor and +Report Type, +Report ID + +When the borrower reports income from self- +employment and a traditional employer, and a +Verification of Employment report and Tax +Transcript are used to validate income, there are +two rows displayed, one for “Base Employment +Income (includes self-employment)” and one for +“Base Employment Income”, even though the +borrower reports a single base income amount in +DU. diff --git a/chunks/txt/d626057feec88eb72b789871cbb7f0cd67e49093f37bcb9c51dd349495bfefc1.txt b/chunks/txt/d626057feec88eb72b789871cbb7f0cd67e49093f37bcb9c51dd349495bfefc1.txt new file mode 100644 index 0000000000000000000000000000000000000000..61ed48007ab382a2eda5d34b75461241f9bbea99 --- /dev/null +++ b/chunks/txt/d626057feec88eb72b789871cbb7f0cd67e49093f37bcb9c51dd349495bfefc1.txt @@ -0,0 +1,88 @@ +SALES +COMPARISON +APPROACH + +Phase + +Project Phase +Identifier + +The current phase number of a multi- +phase development project. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@ProjectPhaseI +dentifier + +SALES +COMPARISON +APPROACH + +Proximity to Subject + +Proximity To +Subject Description + +A free-form text field used to describe the +proximity of a comparable property to the +subject property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +ProximityToSubjectDescription + +SALES +COMPARISON +APPROACH + +Sale Price + +Property Sales +Amount + +The sales price of the referenced property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@PropertySales +Amount + +SALES +COMPARISON +APPROACH + +Sales Price/Gross Liv. Area + +Sales Price Per +Gross Living Area +Amount + +The sales price in terms of dollars per +square foot of gross living area. This is a +ratio between the sales price and an area, +but it is a monetary value rather than a +factor or rate. (CALCULATED +RESULTS FIELD) + +SALES +COMPARISON +APPROACH + +Data Source(s) + +GSE Data Source +Description + +A data source used for information about +the sale and characteristics of the +comparable property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@SalesPricePer +GrossLivingAreaAmount + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEDataSourceDescription diff --git a/chunks/txt/d627510fb9177fb7fd97c8548a3142a011bcfe410874a46d5b986935bb7374b9.txt b/chunks/txt/d627510fb9177fb7fd97c8548a3142a011bcfe410874a46d5b986935bb7374b9.txt new file mode 100644 index 0000000000000000000000000000000000000000..b30d0e3ae311428dbd60b98ce10d00b9b9854745 --- /dev/null +++ b/chunks/txt/d627510fb9177fb7fd97c8548a3142a011bcfe410874a46d5b986935bb7374b9.txt @@ -0,0 +1,49 @@ +• Classification Code Description - SiteZoningClassificationDescription (UID: 1500.0123, FID: 4.010) + +• Description of Zoning Compliance (displays only when provided) - SiteZoningComplianceDescription (UID: 1500.0124, + +FID: 4.014) + +When Compliance - SiteZoningComplianceType = “Illegal” display: + +• Classification - Code SiteZoningClassificationIdentifier (UID: 1500.0122, FID: 4.009) + +• Classification Code Description - SiteZoningClassificationDescription (UID: 1500.0123, FID: 4.010) + +• Reasons Illegal - SiteZoningComplianceIllegalReasonType (UID: 1500.0128, FID: 4.011) + +o + +If there are multiple Reasons Illegal, display as stacked on separate lines. + +• + +Impact - ValuationAnalysisCategoryType (UID: 1500.0191, FID: 4.012) + +• Description of Zoning Compliance - SiteZoningComplianceDescription (UID: 1500.0124, FID: 4.014) + +When Compliance - SiteZoningComplianceType = “LegalNonconforming” display: + +Appendix B-1: URAR Implementation Guide v1.3 + +• Classification Code - SiteZoningClassificationIdentifier (UID: 1500.0122, FID: 4.009) + +• Classification Code Description - SiteZoningClassificationDescription (UID: 1500.0123, FID: 4.010) + +• + +Impact - ValuationAnalysisCategoryType (UID: 1500.0191, FID: 4.012) + +• Rebuildable to Current Density/Use - ZoningPermitRebuildToCurrentDensityIndicator (UID: 1500.0127, FID: 4.013) + +• Description of Zoning Compliance (when provided) - SiteZoningComplianceDescription (UID: 1500.0124, FID: 4.014) + +Page 118 + +When Compliance - SiteZoningComplianceType = “NoZoning” display: + +• + +Impact - ValuationAnalysisCategoryType (UID: 1500.0191, FID: 4.012) + +• Description of Zoning Compliance (when provided) - SiteZoningComplianceDescription (UID: 1500.0124, FID: 4.014) diff --git a/chunks/txt/d630b9758870ec47d66b9bc9726f500245256aadd706af28f01c46efcbe20b89.txt b/chunks/txt/d630b9758870ec47d66b9bc9726f500245256aadd706af28f01c46efcbe20b89.txt new file mode 100644 index 0000000000000000000000000000000000000000..49f572928d12ac96e344db7ea4893ab8eab176d5 --- /dev/null +++ b/chunks/txt/d630b9758870ec47d66b9bc9726f500245256aadd706af28f01c46efcbe20b89.txt @@ -0,0 +1,156 @@ +Boolean + +PDF Display Format: +If 'Y' then display a tilde (~) before the value entered. +If 'N' then display nothing. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Numeric, whole years only. Zero (0) is a valid value. + +String + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +At least one but no more than two +values are required. + +R + +R + +R + +This field is required if the value of +field e-6 (GSE View Type) is ‘Other’. + +CR + +CR + +CR + +T + +R + +R + +R + +T + +R + +R + +R + +T + +R + +R + +R + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 109 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +354 + +3 + +32 + +SALES +COMPARISON +APPROACH + +Condition + +GSE Overall +Condition Type + +The overall condition rating of the +property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D +ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEOverallConditionType + +355 + +356 + +3 + +3 + +33 + +34 + +SALES +COMPARISON +APPROACH + +Above Grade Room Count +Total + +Total Room Count + +Specifies the total number of livable +rooms. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_ADJUST +MENT/@TotalRoomCount diff --git a/chunks/txt/d6312796da9cf60227da2c939e3919de733f88d2de2557c5df4b0cf40b079fb1.txt b/chunks/txt/d6312796da9cf60227da2c939e3919de733f88d2de2557c5df4b0cf40b079fb1.txt new file mode 100644 index 0000000000000000000000000000000000000000..145f9abab3b8a108a2c54171beaab51864c0c6a7 --- /dev/null +++ b/chunks/txt/d6312796da9cf60227da2c939e3919de733f88d2de2557c5df4b0cf40b079fb1.txt @@ -0,0 +1,71 @@ +LoanPriceQuoteInterestRatePercent have +changed and an implementation note was +added to explain what value to populate in the +UCD XML file. + +▪ Two new data points, ConstructionMethodType +and ConstructionMethodTypeOtherDescription +are located with other property data to enable +review of the loan details against allowable QM +APR-APOR spread thresholds. The +enumerations for ConstructionMethodType are +the same as those required in the Uniform Loan +Delivery Dataset (ULDD). + +that the expected value for +LoanPriceQuoteInterestRatePercent is the interest +rate offered to the borrower prior to their electing to +purchase discount points. This data point is required +in the UCD XML file when discount points are not +equal to zero. + +▪ If the + +RegulationZExcludedBonaFideDiscountPointsIndicator +is “true,, , the value delivered for +LoanPriceQuoteInterestRatePercent must be greater +than NoteRatePercent or a Phase 4 critical edit will +fire. + +▪ Source the two new data points: +ConstructionMethodType and +ConstructionMethodTypeOtherDescription for inclusion +in your UCD XML file. + +Additional +Information + +▪ UCD v2.0 CEM, +Specification +Version Edits tab. + +▪ UCD v2.0 Tab 7 - +UCD v2.0, UIDs +4.038, 1.027 and +1.028. + +▪ UCD v2.0 CEM, +Phase 4 tab + +© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners. + +December 2025 + +5 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by +Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency. + +Change + +Description + +Potential Impact + +Additional +Information + +Streamline the UCD +Specification by +removing unused +data diff --git a/chunks/txt/d641b574b87f9eac8b44ea4a92e63b3571fb2de2fd98a2942833fe0bb68abcc0.txt b/chunks/txt/d641b574b87f9eac8b44ea4a92e63b3571fb2de2fd98a2942833fe0bb68abcc0.txt new file mode 100644 index 0000000000000000000000000000000000000000..b0c8289a6017e35a60fa5c7c2231d1449fccbf3d --- /dev/null +++ b/chunks/txt/d641b574b87f9eac8b44ea4a92e63b3571fb2de2fd98a2942833fe0bb68abcc0.txt @@ -0,0 +1,40 @@ +V. Resources includes tables describing each document in the ULDDS and GSE-specific +loan delivery packages, useful Web references, and a discussion of XML Editor Software. + +VI. V3.0 Reference Model Features Not Used in the ULDDS explains concepts included +in the LDD and Reference Model but not leveraged by the loan delivery data set. + +VII. Glossary is a table of potentially unfamiliar terms and their definitions. Throughout +the User Guide, words that are defined in the Glossary are shown in red bolded type. + +VIII. Acronyms and Abbreviations is a table of the acronyms and abbreviations used +throughout this document and their source terms. + +IX. Data Points Referenced is an alphabetical list of all the MISMO V3.0 data points used +in this document. + +X. Index provides page references to key concepts within the User Guide. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 6 of 76 + +Section II. Source of the MISMO Standard + +II. Source of the MISMO Standard + +A. The MISMO Organization + +The V3.0 Reference Model was created by MISMO, a standards organization created to +promote and support the common business interests of the commercial and residential +mortgage markets. MISMO’s mission is to benefit industry participants and consumers of +mortgage and investment products and services by: + +Fostering an open process to develop, promote, and maintain voluntary electronic +commerce procedures and standards for the mortgage industry, and + +Enabling mortgage lenders, investors, servicers, vendors, borrowers, and other parties to +exchange real estate finance-related information and eMortgages more securely, +efficiently, and economically.2 diff --git a/chunks/txt/d646eba9fbebe92d9b743a92f4fa5cf9744f34f5c4215a494d6df8cc41ffb640.txt b/chunks/txt/d646eba9fbebe92d9b743a92f4fa5cf9744f34f5c4215a494d6df8cc41ffb640.txt new file mode 100644 index 0000000000000000000000000000000000000000..de906784806ff6aa3fefc7a091bd7f0ecd69738d --- /dev/null +++ b/chunks/txt/d646eba9fbebe92d9b743a92f4fa5cf9744f34f5c4215a494d6df8cc41ffb640.txt @@ -0,0 +1,106 @@ +Wood + +Concrete + +Concrete + +Concrete + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Exhibits + +Deck - Deck 1 and Deck 2 + +Patio + +Detail +640 Sq. Ft. + +160 Sq. Ft. + +240 Sq. Ft. + +300 Sq. Ft. + +Diving Board + +Total Number - 1 + +Total Number - 1 + +This is where the Decks photo would display. + +This is where the Patio photo would display. + +Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 12 of 22 + +Subject Property Amenities (continued) + +Porch + +Inground Pool + +This is where the Porch photo would display. + +This is where the Inground Pool photo would display. + +Indoor Fireplace + +Wood Stove + +This is where the Indoor Fireplace photo would display. + +This is where the Wood Stove photo would display. + +Overall Quality and Condition + +Overall Quality + +Exterior Quality +Interior Quality + +Q4 +Q4 +Q4 + +Overall Condition + +Exterior Condition +Interior Condition + +C4 +C3 +C4 + +Reconciliation of Overall Quality and Condition + +The exterior was recently painted and new windows, shutters and doors were installed. However, the overall condition was reconciled to C4 +given the interior condition of the primary dwelling. + +Highest and Best Use + +Is the present use of the subject … + +Legally Permissible +Physically Possible + +Yes +Yes + +Financially Feasible +Maximally Productive + +Yes +Yes + +Yes No +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?   + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123 diff --git a/chunks/txt/d64ee3ca84ece93879908ceb0d4c5dd1dde56ad3d8e4096c666f7b7a1fcdab7c.txt b/chunks/txt/d64ee3ca84ece93879908ceb0d4c5dd1dde56ad3d8e4096c666f7b7a1fcdab7c.txt new file mode 100644 index 0000000000000000000000000000000000000000..ac483e259b40ededbc91082439fcf50cf9a7c472 --- /dev/null +++ b/chunks/txt/d64ee3ca84ece93879908ceb0d4c5dd1dde56ad3d8e4096c666f7b7a1fcdab7c.txt @@ -0,0 +1,48 @@ +Year Loan Was Reported +Unique Record ID (not actual loan number) +Name of Federal Home Loan Bank District +2 Digit FIPS State Code +3 Digit FIPS County Code +The Property's Five Digit numeric CBSA; 99999 if +state/county/tract combo is not in a CBSA or MSA + +The property's Census Tract of Block Numbering Area +(BNA) +The percentage of the property's census tract +population that is minority. +The property's census tract median family income. + +The property's median income for the area based on +the most recent decennial census. +The total monthly qualifying income used for +underwriting in whole dollars for all borrowers on the +loan. +Current median income for a family of four for the area +as established by HUD +The Amount of unpaid principal balance in whole +dollars when acquired by the FHLBank. +The loan-to-value ratio of the mortgage at time of +origination. +Year the mortgage was originated. +Year the mortgage was acquired. +Purpose of Loan: 1 = Purchase, 2 = No-Cash Out +Refinancing, 3 = Second Mortgage, 4 = New +Construction, 5 = Rehabilitation or Home +Improvement, 6 = Cash-out Refinancing, 7 = Other + +Product type of Mortgage: 01=Fixed Rate, 02=ARM, +03=No Longer in Use, 04=GPM/GEM, 05=Reverse +Annuity Mortgage, 06=Other, 07-98=Reserved for +future use +Type of Mortgage and whether the mortgage is +guaranteed: 0=Conventional, 1=FHA, 2=VA, 3=USDA +Rural Housing-FSA Guaranteed, 4=HECMs, 5=Title1- +FHA +Term of the Mortgage in Months +For Amortizing Mortgages, term of amortization in +months; 998 if non-amortizing loan +Type of Institution from which the FHLBank acquired +the mortgage. 01=Insured depository institution, +02=Housing Associate, 03=Insurance Company, +04=Non-Federally Insured CU, 05=Non-Depository +CDFI, 06=Other FHLBank, 09=Other diff --git a/chunks/txt/d66729216edf1b9286dd7f74dee5e6722358a0b2ea77ebe348f3523466ca0a5f.txt b/chunks/txt/d66729216edf1b9286dd7f74dee5e6722358a0b2ea77ebe348f3523466ca0a5f.txt new file mode 100644 index 0000000000000000000000000000000000000000..a1d6af191eea5df35b1b5d9bb93d386a6ead09bb --- /dev/null +++ b/chunks/txt/d66729216edf1b9286dd7f74dee5e6722358a0b2ea77ebe348f3523466ca0a5f.txt @@ -0,0 +1,23 @@ +- [1](?page=0) + - [2](?page=1) + - [3](?page=2) + - [4](?page=3) + - [5](?page=4) + - [Next](?page=1) + - [Last](?page=4) + +​Privacy Act Notice* + This notice is provided pursuant to the Privacy Act of 1974 (Privacy Act), as amended, 5 U.S.C. § 552a. The collection of information is to process and/or respond to your complaint, appeal, inquiry, request for information, to review and post comments on proposed rules/regulations, to review feedback received on FHFA proposed or implemented initiatives, and to compile a list of potential vendors and contractors. The records are used in accordance with Systems of Records Notices (SORN), FHFA-3 Correspondence Tracking System, FHFA-20 Telecommunications System, and FHFA-22 Online Forms. You can view these SORNs by clicking [here](/regulation/federal-register/notice/2009-n-08) and [here](/regulation/federal-register/privacy-act-system-of-records-notice/2012-n-10) and [here](/regulation/federal-register/privacy-act-system-of-records-notice/2013-n-15). Although providing this information is voluntary, failure to provide the requested information may result in your complaint, appeal, inquiry, request, comment, or feedback not being processed and may make it more difficult for FHFA to respond to you. + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) diff --git a/chunks/txt/d6681ed195add7cb0dead0f555f5c6a710cd13ed941a9b505d0132c8ae8246cd.txt b/chunks/txt/d6681ed195add7cb0dead0f555f5c6a710cd13ed941a9b505d0132c8ae8246cd.txt new file mode 100644 index 0000000000000000000000000000000000000000..bbe74098ae238adfd134ab68fb7a06ba832a7a7a --- /dev/null +++ b/chunks/txt/d6681ed195add7cb0dead0f555f5c6a710cd13ed941a9b505d0132c8ae8246cd.txt @@ -0,0 +1,47 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +![Row of pillars](/sites/default/files/styles/desktop_hero/public/2025-04/hero-6.jpg.webp?itok=uCYkSZNd) + +# Statements + +Director statements that offer valuable insights from FHFA leadership. + +## Breadcrumb + +- [Home](/) + - [News](/news) + - Statements + +- [News Releases](/news/news-release) + - [Speeches](/news/speech) + - [Statements](/news/statement) + - [Testimonies](/news/testimony) + - [Fact Sheets](/news/fact-sheet) diff --git a/chunks/txt/d66a5f07c8dcc2ee4c6cf087d9244232d6faa1da202c0df65ec3cac6807059a1.txt b/chunks/txt/d66a5f07c8dcc2ee4c6cf087d9244232d6faa1da202c0df65ec3cac6807059a1.txt new file mode 100644 index 0000000000000000000000000000000000000000..17205d7616fc8bc9ae23bf67142204a9cea6fd84 --- /dev/null +++ b/chunks/txt/d66a5f07c8dcc2ee4c6cf087d9244232d6faa1da202c0df65ec3cac6807059a1.txt @@ -0,0 +1,129 @@ +Appendix E: UCD Implementation Guide + +Page 114 of 254 + +Version 1.4 + +Uniform Closing Dataset + +7.0 Loan Costs Table + +7. 3 COMPENSATI ON OF A TH I RD -PARTY LOAN ORI GI NATOR + +The name of any third-party loan originator paid by the lender must be disclosed. The amount paid is recorded +under the Paid by Others column, along with the indicator “(L)”. This is the only Origination Charge item that +requires identification of the party receiving the payment. + +C. LI NE I TEM DATA + +Table 95 shows how the UCD file should be populated to support the Origination Charge line items illustrated in +Figure 77. The charges are shown in the order they appear in the figure. + +ID + +Form Field / Fee +Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +Table 95. Origination Charge Line Items + +7.2.1 N/A - GSE + +…/FEE/FEE_DETAIL + +FeePaidToType + +Lender + +FIRST INSTANCE OF FEE + +7.2.1 % of Loan Amount +(Points) + +FeePercentBasisTyp +e + +OriginalLoanAmoun +t + +7.2.1 % of Loan Amount +(Points) + +FeeTotalPercent + +0.2500 + +Not Shown – +ATR/QM + +Needed to support +the calculation of +the dollar amount + +▪ Needed to + +support the +calculation of the +dollar amount +▪ ROF as “0.25%” + +ROF as “(Points)” + +7.2 + +% of Loan Amount +(Points) + +7.2 + +N/A - XML + +7.2.1 N/A - GSE + +FeeType + +LoanDiscountPoints + +IntegratedDisclosur +eSectionType + +OriginationCharges Not Shown + +FullName + +FicusBank + +Not Shown – +ATR/QM + +…/FEE/FEE_PAID_T +O/LEGAL_ENTITY/LE +GAL_ENTITY_DETAI +L + +7.2.2 Borrower-Paid At +Closing ($) + +…/FEE/FEE_PAYME +NTS/FEE_PAYMENT + +FeeActualPaymentA +mount + +405.00 + +ROF as “$405.00” + +7.2.2 Borrower-Paid + +7.2.2 At Closing diff --git a/chunks/txt/d671e794795b9cd7e1b819dbe7ab2a8b2efc9e8547e8a9000b95ea726e87923b.txt b/chunks/txt/d671e794795b9cd7e1b819dbe7ab2a8b2efc9e8547e8a9000b95ea726e87923b.txt new file mode 100644 index 0000000000000000000000000000000000000000..86f3bd315a20f92f2b2a59f25df08ff3f3bca4a0 --- /dev/null +++ b/chunks/txt/d671e794795b9cd7e1b819dbe7ab2a8b2efc9e8547e8a9000b95ea726e87923b.txt @@ -0,0 +1,33 @@ +XML Integration Service (XIS) DNS/IP Address Update +Integration Impact Memo + +September 17, 2025 + +Fannie Mae is updating the Domain Name System (DNS) infrastructure that supports the XML Integration Service (XIS), which +facilitates system-to-system connectivity with Fannie Mae’s Desktop Underwriter® (DU®), Desktop Originator® (DO®), and +EarlyCheck™. + +While the production endpoint (direct.efanniemae.com) will remain unchanged, the associated IP address mappings will be +updated during the standard maintenance window 1 a.m. to 5 a.m. EST Sunday, February 1, 2026. + +Action Required + +If your integrated system(s) rely on static IP address configurations (e.g. firewall rules or allow lists), they must be updated to +allow the new IP addresses to avoid any disruption in connectivity. + +We recommend that direct integration users leverage the Fully Qualified Domain Name (FQDN) direct.efanniemae.com for any +allow list used during connectivity. If your organization is not able to allow list using the FQDN, then please contact Fannie Mae’s +Integration Support team. + +Next Steps - + +As part of the next steps, if you are currently using static IP address configurations (e.g. firewall rules or allow lists), +please follow the following steps. + +• Obtain updated IP addresses from Fannie Mae Integration Support team, integration_support@fanniemae.com + +• Coordinate connectivity testing and confirm successful response by Friday, January 16, 2026 + +DNS/IP Address Update and Connectivity Testing + +To help facilitate a smooth and uninterrupted transition during the DNS update, please complete the following steps: diff --git a/chunks/txt/d6753d6bb2b242bdd5d27c1fffc83e91907798e7488f3596b1c19aaa8eada2ab.txt b/chunks/txt/d6753d6bb2b242bdd5d27c1fffc83e91907798e7488f3596b1c19aaa8eada2ab.txt new file mode 100644 index 0000000000000000000000000000000000000000..9c55304ed29cfe88aa8d3bd053ef58fe326f99e3 --- /dev/null +++ b/chunks/txt/d6753d6bb2b242bdd5d27c1fffc83e91907798e7488f3596b1c19aaa8eada2ab.txt @@ -0,0 +1,136 @@ +Uniform Residential Appraisal Report + +Page 11 of 22 + +Market (continued) + +Market Exhibits + +Price Trend + +This is where the Price Trend graph would display. + +Project Information + +Planned Unit Development (PUD)  + +Condominium  + +Cooperative  + +Condop  + +Project Information Data Source Property Management + +Mandatory Fees (HOA, PUD, or Co-op) + +Company + +Monthly Amount +Common Amenities/ +Services Included + +Utilities Included + +$284 + +Clubhouse +Fitness Area +Inground Pool +Recreation Area +Snow Removal +None + +Project Factors and Impact to Value/Marketability + +Project Factor +Developer/Sponsor in Control + +Known Legal Actions + +Unit Special Assessments + +Unit Tax Abatements or Exemptions + +Detail +No + +None + +None + +None + +Project Information Commentary + +Project amenities are typical to the market. + +Impact + +Comment + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 12 of 22 + +Project Information (continued) + +Project Information Exhibits + +Common Amenity or Service - Project Pool + +This is where the Project Pool photo would display. + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Listing Status +Pending + +Listing Type +MLS + +Off Market + +MLS + +Listing ID +FQ999999 + +FQ999956 + +Start Date +03/15/2019 + +02/01/2019 + +End Date +04/15/2019 + +02/16/2019 + +DOM +30 + +15 + +Total DOM 45 + +Starting +List Price +$875,000 + +$1,350,000 + +Current or +Final List Price + +$875,000 + +$1,350,000 + +Analysis of Subject Property Listing History The subject is currently under contract for $866,000. Days on market appears to be typical for +the area. diff --git a/chunks/txt/d6773b1f45c2c453851e9553e8d87c5e4ccb96108cf06d2ab03ce42642383b62.txt b/chunks/txt/d6773b1f45c2c453851e9553e8d87c5e4ccb96108cf06d2ab03ce42642383b62.txt new file mode 100644 index 0000000000000000000000000000000000000000..49d13d39d21428013b3d3d39ef34fe835cdb2fe8 --- /dev/null +++ b/chunks/txt/d6773b1f45c2c453851e9553e8d87c5e4ccb96108cf06d2ab03ce42642383b62.txt @@ -0,0 +1,7 @@ +Comparable Rental Properties (H1) .................................................................................................................... 66 + +Comparable Rental Analysis (H1) ....................................................................................................................... 67 + +Rental Analysis Commentary (H1) ...................................................................................................................... 68 + +Rental Information Exhibits (H1) ........................................................................................................................ 68 diff --git a/chunks/txt/d689b82b8c056c46c5c88196eae389ff461282b54273ded4c83bae1e3702cb0b.txt b/chunks/txt/d689b82b8c056c46c5c88196eae389ff461282b54273ded4c83bae1e3702cb0b.txt new file mode 100644 index 0000000000000000000000000000000000000000..bd7582aa059a92cbaf286579a73be3c7703cc8bd --- /dev/null +++ b/chunks/txt/d689b82b8c056c46c5c88196eae389ff461282b54273ded4c83bae1e3702cb0b.txt @@ -0,0 +1,30 @@ +When rental property is reported through a partnership or an S corporation, but the borrower is personally obligated on the +mortgage, the property must be included in the count of financed properties and is subject to the requirements for multiple financed +properties as indicated in Selling Guide B2-2-03, Multiple Financed Properties for the Same Borrower. See also Selling Guide B3-3.4-01, +Analyzing Partnership Returns for a Partnership or LLC and Selling Guide B3-3.4-02, Analyzing Returns for an S Corporation. + +Rental Income Calculation Tools + +Fannie Mae publishes four worksheets that lenders may use to calculate rental income. The Income Calculator may also be used +to calculate certain rental income. Use of Income Calculator or these worksheets is optional. The worksheets are: + +• Rental Income Worksheet – Principal Residence, 2– to 4–unit Property (Form 1037), + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 42 of 166 + +UAD 3.6 Policy + +• Rental Income Worksheet – Individual Rental Income from Investment Property(s) (up to 4 properties) (Form 1038), or + +• Rental Income Worksheet – Individual Rental Income from Investment Property(s) (up to 10 properties) (Form 1038A). + +See Selling Guide B3-3.1-10, Income Calculator, for additional information. + +Reporting of Gross Monthly Rent + +Eligible rents on the subject property (gross monthly rent) must be reported to Fannie Mae in the loan delivery data for all two- to +four-unit principal residence properties and investment properties, regardless of whether the borrower is using rental income to +qualify for the loan. If the borrower is using rental income from the subject property to qualify for the loan, all of the applicable +requirements above must be followed to document and calculate the income. diff --git a/chunks/txt/d69aa3a9df1ea6b0d3ab6ba1ecbd150300c36e723f9e50f3d338eeb6724943e8.txt b/chunks/txt/d69aa3a9df1ea6b0d3ab6ba1ecbd150300c36e723f9e50f3d338eeb6724943e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..a33f0381b51b060503f31d7a96fa31c03e10a415 --- /dev/null +++ b/chunks/txt/d69aa3a9df1ea6b0d3ab6ba1ecbd150300c36e723f9e50f3d338eeb6724943e8.txt @@ -0,0 +1,11 @@ +Loans that are eligible for housing goals credit are mortgages on owner-occupied housing with one to four units. The mortgages must be conventional, conforming mortgages, defined as mortgages that are not insured or guaranteed by the Federal Housing Administration or another government agency and with principal balances that do not exceed the conforming loan limits for Enterprise mortgages. This page provides data on Enterprise performance and activity related to the single-family housi​​ng goals. A full [glossary of terms](#glossary) is provided below. + +**Single-Family Housing Goal Loan Segments: State-Level Data** + +FHFA is publishing state-level data for each single-family goal loan purchase and refinance segment. It is important to note that FHFA does not set state-level targets but only at the national level. + +These tables provide the Enterprises' share in each state along with the market share, as calculated by FHFA using the 'static' HMDA data for each year to determine Enterprise housing goals performance each year. It is important to note that HMDA state-level data are impacted by the number of HMDA-exempt reporters in each state. For more information on HMDA reporting requirements, visit the [CFPB HMDA Reporting Requirements page](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/hmda-reporting-requirements/). + +## Data + +Year Format 2024 [[XLSX]](/document/enterprise_housing_goals_state_data_2024.xlsx) / [[CSV]](/document/enterprise_housing_goals_state_data_2024.zip) 2023 [[XLSX]](/document/enterprise_housing_goals_state_data_2023.xlsx) / [[CSV]](/document/enterprise_housing_goals_state_data_2023.zip) 2022 [[XLSX]](/document/enterprise_housing_goals_state_data_2022.xlsx) / [[CSV]](/document/enterprise_housing_goals_state_data_2022.zip) 2018-2021 [[XLSX]](/document/enterprise_housing_goals_state_data_2018-2021.xlsx) diff --git a/chunks/txt/d69c1f8843145d25b85bbb3c8df613e576035cfebb47e51dadab8e3104ff7560.txt b/chunks/txt/d69c1f8843145d25b85bbb3c8df613e576035cfebb47e51dadab8e3104ff7560.txt new file mode 100644 index 0000000000000000000000000000000000000000..0c6ea89228bb0d3f2456babf80b863fa0222eb03 --- /dev/null +++ b/chunks/txt/d69c1f8843145d25b85bbb3c8df613e576035cfebb47e51dadab8e3104ff7560.txt @@ -0,0 +1,85 @@ +The PRORATION_ITEM structure +PREPAID_ITEM. The data points used to provide this information are all held in one child container. + +is straightforward and simple compared with CLOSING_ADJUSTMENT_ITEM and + +Table 30. XML File Container Structure for Proration Item Data. + +UCD UIDs + +Containers + +UCD Usage Notes + +999.116 + +PRORATION_ITEMS + +999.117 + +PRORATION_ITEM + +MISMO construct. Plural of singular child container +PRORATION_ITEM holds up to 60 sequential occurrences of +PRORATION_ITEM. + +Holds child containers and data points making up a prorated +line item. Up to 60 may be delivered. + +Prorations are rendered on the Summaries of Transactions table as adjustments either paid or unpaid by the property seller. + +Figure 39. Rendering Proration Item Data on the CD. + +Summaries of Transactions + +BORROWER’S TRANSACTION (11.0 – 13.0) + +11.0 K. Due from Borrower at Closing + +11.0.1 + +Adjustments for Items Paid by Seller in Advance + +11.6 City/Town Taxes 4/15/24 to 4/30/24 + +11.9 HOA Dues 4/15/24 to 4/30/24 + +11.6.1 + +$5.00 + +11.9.1 + +$3.00 + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +12.0.1 + +Adjustments for Items Unpaid by Seller + +12.8 City/Town Taxes 4/15/24 to 4/30/24 + +12.11 Utilities 4/15/24 to 4/30/2014 + +12.8.1 + +$36.00 + +12.11.1 + +$10.00 + +The line items illustrated above are listed in the following Spec excerpt; each line item is rendered from the same data points. +Only the values for the section and subsection type change. + +Table 31. UCD v2.0 Spec Excerpt - Proration Line Items Data Requirements. + +UCD UID MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSI +NG_INFORMATION/PRORATION_ITEMS/PRORATION_ITEM diff --git a/chunks/txt/d6a332e67a9bab8691387df2fae6c045b39a1406f41b12b82fd1de8bce6b5d6f.txt b/chunks/txt/d6a332e67a9bab8691387df2fae6c045b39a1406f41b12b82fd1de8bce6b5d6f.txt new file mode 100644 index 0000000000000000000000000000000000000000..cc0b9dd5afc85cea8c832b4d8bd8cf89e4644314 --- /dev/null +++ b/chunks/txt/d6a332e67a9bab8691387df2fae6c045b39a1406f41b12b82fd1de8bce6b5d6f.txt @@ -0,0 +1,29 @@ +- ## News Release + +![U.S. Federal Housing Receives ‘Best Result’ from Annual GAO Audit, Publishes Accountability Report Documenting Agency Achievements](/sites/default/files/2026-01/PAR-FY2025-homepage-card-image_0.jpg) + +January 23, 2026 + +U.S. Federal Housing’s (Federal Housing Finance Agency’s) annual Performance and Accountability Report published today, showing the Agency’s clean audit results from the U.S. Government Accountability Office (GAO). The report also documents the Agency’s success in securing the safety and soundness and housing affordability mission of Fannie, Freddie, and the Federal Home Loan Banks during fiscal year 2025. + +[Read More](/news/news-release/u.s.-federal-housing-receives-best-result-from-annual-gao-audit) + +- ## News Release + +![FHFA House Price Index® Up 0.4 Percent in October; Up 1.7 Percent from Last Year](/sites/default/files/2025-12/hpi-december-2025-homepage-card-image.jpg) + +December 30, 2025 + +U.S. house prices rose 0.4 percent in October, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.7 percent from October 2024 to October 2025. The previously reported 0.0 percent price change in September was revised downward to a 0.1 percent decline. + +[Read More](/news/news-release/fhfa-house-price-index-up-0.4-percent-in-october-up-1.7-percent-from-last-year) + +[View More](/news) + +## Spotlight Topic + +- ![Suspension red stamp](/sites/default/files/2025-02/suspension-in-red-ink.jpg) + +### ​Suspended Counterparty + +FHFA established the Suspended Counterparty Program to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks presented by individuals and entities with a history of fraud or other financial misconduct. diff --git a/chunks/txt/d6ef79d33dd8c78c7610b4e26e063aa4e1b2be21782e95046b97985fc0ef90f3.txt b/chunks/txt/d6ef79d33dd8c78c7610b4e26e063aa4e1b2be21782e95046b97985fc0ef90f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..e080079663497f1969ee6420325dcf0d675cf45d --- /dev/null +++ b/chunks/txt/d6ef79d33dd8c78c7610b4e26e063aa4e1b2be21782e95046b97985fc0ef90f3.txt @@ -0,0 +1,26 @@ +--- +source_url: "https://singlefamily.fanniemae.com/external-resource/ucd-test-environment" +date_accessed: "2026-01-27T18:02:20.125Z" +--- + +Sign On + +Username + +* Required + +! + +fm.external.html.form.login.template.missingField + +Password + +* Required + +! + +fm.external.html.form.login.template.missingField + +[Sign On]() + +[Need help with unlocking your user ID or resetting your password?](https://passwordreset.fanniemae.com/) diff --git a/chunks/txt/d6f8cf02f297035d241e74036146771cb34cc9123bef790230d03843919767f5.txt b/chunks/txt/d6f8cf02f297035d241e74036146771cb34cc9123bef790230d03843919767f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..e116e4416b711fa1339f6d74438a47607fbb1d2d --- /dev/null +++ b/chunks/txt/d6f8cf02f297035d241e74036146771cb34cc9123bef790230d03843919767f5.txt @@ -0,0 +1,144 @@ +Number + +Report +Field ID + +23.03.11 +23.03.35 + +23.03.12 +23.03.36 + +Baths – Full | +Half + +23.03.12 +23.03.36 + +Baths – Full | +Half + +Always + +Always required + +Number + +Always + +Always required + +Number + +23.03.13 +23.03.37 + +Finished Area Always + +Always required + +Number of square +feet + +Unit Interior +• + +Total Bedrooms +10.023 + +Unit Interior +• + +Total Bathrooms - +Full 10.024 + +Unit Interior +• + +Total Bathrooms - +Half 10.025 + +Unit Interior +• + +• + +• + +• + +Above Grade +Finished Area +10.003 +Above Grade +Finished Area +(Nonstandard) +10.004 +Below Grade +Finished Area +10.006 +Below Grade +Finished Area +(Nonstandard) +10.007 + +No + +No + +No + +No + +No + +No + +No + +No + +Finished Area of Unit: The total finished area of the unit regardless of +grade level. +• + +For the subject property, calculated: Above Grade Finished Area + +Above Grade Finished Area (Nonstandard) + Below Grade Finished +Area + Below Grade Finished Area (Nonstandard). +For the comparables, report all finished areas regardless of grade +level, standard or nonstandard, as a single number in Finished Area +of Unit. + +• + +Unit Furnished: Indicates whether furniture is included in the rent for the +unit. + +Utilities / Services Included: Indicates whether any utilities and services +(e.g., electric, heat, water, or internet) are included in the rent for the +unit. + +Unit Subject to Rent Control: Indicates whether the unit is subject to rent +control. + +Rent Concessions: Indicates whether monetary concessions are included +in the terms of the lease for the unit. + +23.03.14 +23.03.38 + +23.03.15 +23.03.39 + +23.03.16 +23.03.40 + +Furnished + +If relevant + +If relevant + +Utilities / +Services +Included diff --git a/chunks/txt/d70e507884d5afe486645e0ddb14723977e44dd4cd38936b406feb25012f154c.txt b/chunks/txt/d70e507884d5afe486645e0ddb14723977e44dd4cd38936b406feb25012f154c.txt new file mode 100644 index 0000000000000000000000000000000000000000..7078fa20a23ff7cc551dcc616a6023180420c09e --- /dev/null +++ b/chunks/txt/d70e507884d5afe486645e0ddb14723977e44dd4cd38936b406feb25012f154c.txt @@ -0,0 +1,17 @@ +## Freedom of Information Act + +[The Freedom of Information Act (FOIA), 5 U.S.C. § 552](http://www.justice.gov/oip/foia_updates/Vol_XVII_4/page2.htm), was enacted in 1966 and provides that any person has a right, enforceable in court, to obtain access to federal agency records, except to the extent that any portions of such records are protected from public disclosure by one of nine exemptions or by one of three special law enforcement record exclusions. The FOIA thus established a statutory right of public access to Executive Branch information in the federal government. + +For Information on FHFA Headquarters' and FHFA OIG's FOIA programs, including how and where to file a FOIA request for records + click on the link: [Learn More](https://www.fhfaoig.gov/FOIA) + +## Privacy Act + +The [Privacy Act of 1974, 5 U.S.C. § 552a](http://www.justice.gov/opcl/privstat.htm), establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. + +For Information on FHFA Headquarters' and FHFA OIG's Privacy Act program, including how and where to file a Privacy Act request for records + click on the link: [Learn More](https://www.fhfaoig.gov/privacy) + +## Additional Information + +This section provides additional information related to FOIA & Privacy. diff --git a/chunks/txt/d7238cc6f1690e1ed7844271c23701281d4c1ef783630eed90b19f407c7083f9.txt b/chunks/txt/d7238cc6f1690e1ed7844271c23701281d4c1ef783630eed90b19f407c7083f9.txt new file mode 100644 index 0000000000000000000000000000000000000000..e094e69294946bfabcd45feb926af2636eb37d47 --- /dev/null +++ b/chunks/txt/d7238cc6f1690e1ed7844271c23701281d4c1ef783630eed90b19f407c7083f9.txt @@ -0,0 +1,77 @@ +Required for all +Vehicle Storage Types +except driveways or +shared driveways with +10 or more spaces + +Allowable +Answers / Format + +Yes | No + +Whole number + +Definition / Additional Guidance + +10 or More Parking Spaces: +• + +Select Yes if the driveway or shared driveway has 10 or more parking +spaces. In this case, “10 or More” displays. +Select No if the driveway or shared driveway has less than 10 parking +spaces, and provide the number of parking spaces. + +• + +Dedicated Parking Spaces: The number of parking spaces dedicated to the +property within the indicated Vehicle Storage Type. A parking space is defined +as the area that accommodates a vehicle. For example, Number of Parking +Spaces would be 2 if the garage had: +• +• + +Two tandem (back-to-back) spaces accessed by a single garage door, or +Two side-by-side spaces, whether accessed by a double garage door or +two single garage doors. + +Notes: +• +• + +• + +• + +Enter a number between 1 and 9 for driveways and shared driveways. +Enter zero (0) for common parking areas in which the property does not +have any dedicated spaces. +If the vehicle storage is shared, only include spaces specifically dedicated +to the property. +Half spaces are accounted for in the overall size reported as Vehicle +Storage Area (13.003), not as a parking space. + +13.002 Number of + +Parking Spaces + +13.003 Detail + +Required if Vehicle +Storage Type is +Common Carport, +Open Lot or Parking +Garage + +Required if Vehicle +Storage Type is +Carport or Garage + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Parking Space Assignment Type: The ownership rights to the parking space(s). +• diff --git a/chunks/txt/d724e0b827420ccf118fdeb3a2cb2fdd6a8629ebaabc130a5db453bd16691606.txt b/chunks/txt/d724e0b827420ccf118fdeb3a2cb2fdd6a8629ebaabc130a5db453bd16691606.txt new file mode 100644 index 0000000000000000000000000000000000000000..912bf2f2adeeb0f4065944e7bb0663a306de93a0 --- /dev/null +++ b/chunks/txt/d724e0b827420ccf118fdeb3a2cb2fdd6a8629ebaabc130a5db453bd16691606.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/901","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/d732fd45d99fc7e300b2c10598e899f0dec2dead9a6067d7810117af72ddc5bc.txt b/chunks/txt/d732fd45d99fc7e300b2c10598e899f0dec2dead9a6067d7810117af72ddc5bc.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b01eded500b097eff2393bad9f12c37e62b2bc5 --- /dev/null +++ b/chunks/txt/d732fd45d99fc7e300b2c10598e899f0dec2dead9a6067d7810117af72ddc5bc.txt @@ -0,0 +1,194 @@ +$364,900 + +$364,900 + +$(11,400) + +$278 + +$353,500 + +Less + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$350,000 + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5) + +Uniform Residential Appraisal Report + +Page 12 of 19 +Page 12 of 19 + +Sales Comparison Approach (continued) + +General Information + +Property Address + +Subject Property + +Comparable #4 + +Comparable #5 + +213 Tree Stand Rd +Anytown, MD 09992 + +849 Jolly Ave +Anytown, MD 09992 + +342 Trail Dr +Anytown, MD 09992 + +This is where the +Dwelling Front photo +would display. + +This is where the +Comparable 4 photo +would display. + +This is where the +Comparable 5 photo +would display. + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Site + +Site Size + +Neighborhood Name + +View | Range + +Dwelling(s) + +Year Built + +Heating + +Unit(s) + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +MLS HC9652147 | +Assessor Record + +MLS HC74563455 | +Assessor Record + +0.71 Miles E + +$362,500 + +Settled Sale + +$360,000 + +0.67 Miles E + +$369,900 + +Settled Sale + +$365,000 + +No + +11/03/2023 + +12/01/2023 + +44 + +Detached + +Detached + +15,000 Sq. Ft. + +14,500 Sq. Ft. + +Hilltop Hills + +Woodland Hills + +Residential | Full + +Residential | Full + +$0 + +$0 + +$0 + +$0 + +$0 + +$1,900 + +01/31/2024 + +03/01/2024 + +52 + +Detached + +14,750 Sq. Ft. + +Woodland Hills + +Residential | Full + +$0 + +$0 + +$0 + +$0 + +$0 + +2018 + +2018 + +Forced Warm Air | Natural Gas + +Forced Warm Air +| Natural Gas + +2018 diff --git a/chunks/txt/d737537b842b28d9dcd1cb137fc0683016ece8e11261231653fcb8c68b769c26.txt b/chunks/txt/d737537b842b28d9dcd1cb137fc0683016ece8e11261231653fcb8c68b769c26.txt new file mode 100644 index 0000000000000000000000000000000000000000..57c08e5946cbcebdfb4026457b117861b4db5ccc --- /dev/null +++ b/chunks/txt/d737537b842b28d9dcd1cb137fc0683016ece8e11261231653fcb8c68b769c26.txt @@ -0,0 +1,158 @@ +The type of report submitted to the UCDP, i.e., +URAR, Restricted Appraisal Update Report, and +Completion Report. + +The Document Type values displayed in the SSR PDF +are: Appraisal Report (URAR), Valuation Update + +Report Type + +Update +Report +X + +Completion +Report +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +X + +Both + +Both + +FRE + +Both + +Both + +Both + +Both + +X + +X + +X + +X + +X + +X + +X + +Both + +X + +X + +X + +Format +Type + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +PDF / JSON + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency. + +PDF Data Point Name + +JSON SSR +Field Name + +Definition / Description + +Appears on… +[FNM, FRE, Both] * + +Report Type + +URAR + +Update +Report + +Completion +Report + +Format +Type + +PDF / JSON + +Effective Date of +Appraisal + +appraisalReportEffect +iveDate + +Findings Category + +findingCategory + +{Appears as section +header, does not appear +as discrete data point on +PDF} + +(Restricted Appraisal Update Report), Valuation +Completion (Completion Report). + +The date of when the appraiser’s analyses, opinions, +and conclusions regarding the subject property’s +values apply, (i.e., are effective). + +Note: This date should match the “Original Effective +Date of Appraisal” on the Restricted Appraisal +Update Report and Completion Report. + +Defines the type of message (or finding) returned +within the section. Types of findings that are +captured within the SSR: System Findings, UAD +Compliance Findings, or Fannie Mae Proprietary +Findings / Freddie Mac Proprietary Findings. diff --git a/chunks/txt/d74cc6571467646c56fea1fcf41a374b104638a077bdf7ed106f228e89d56d82.txt b/chunks/txt/d74cc6571467646c56fea1fcf41a374b104638a077bdf7ed106f228e89d56d82.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b13719c66e5abd62082631c394e33cfbf7fe4aa --- /dev/null +++ b/chunks/txt/d74cc6571467646c56fea1fcf41a374b104638a077bdf7ed106f228e89d56d82.txt @@ -0,0 +1,34 @@ +Military Owner Occupancy +Used to identify loans delivered as principal residence properties where a military service +member is unable to occupy the property due to active-duty military service. + +ENERGY STAR-Certified Improvement +Used to identify a HomeStyle Renovation or HomeStyle Energy loan that includes financing of +one or more ENERGY STAR-certified improvements. This SFC must be used in conjunction +with SFC 375 (HomeStyle Energy Improvements). + +Value Acceptance + Property Data +Used to identify a DU loan for which the lender has exercised the offer to determine the +property is eligible based on interior and exterior property data collected by an eligible third- +party property data collector. (An appraisal if not obtained.) +Approved Vendor Tool: SEI +Used to identify loans eligible for representation and warranty relief on the amount of self- +employment income entered in DU when that amount is calculated using an approved vendor +tool (subject to certain conditions). + +ENERGY STAR Green Building Certification for Green Bonds +Used to identify a mortgage loan secured by a property with an ENERGY STAR® green +building certification for residential new construction. + +ARM with Fallback Language +Used to track ARM loans originated with the updated note and rider containing new fallback +language that applies if the index is no longer a viable index (not applicable to SOFR ARM +loans). + +Single-width Manufactured Home +Used to identify a mortgage loan secured by a single-width manufactured home built on a +permanent chassis and attached to a permanent foundation system and legally classified as +real property. +Delivery is optional – code is auto-derived +Certified Shared Equity Program List +Used to identify loans associated with a program on the Certified Shared Equity Program List. diff --git a/chunks/txt/d769ecb64bd42d2032b2d7e33598ed78f994030e6a01fa725fe65c83c630bf6d.txt b/chunks/txt/d769ecb64bd42d2032b2d7e33598ed78f994030e6a01fa725fe65c83c630bf6d.txt new file mode 100644 index 0000000000000000000000000000000000000000..b584354a856c8accd90a5d198ec39bd05d0699b3 --- /dev/null +++ b/chunks/txt/d769ecb64bd42d2032b2d7e33598ed78f994030e6a01fa725fe65c83c630bf6d.txt @@ -0,0 +1,7 @@ +Project Information Exhibits (H1) ....................................................................................................................... 57 + +Subject Listing Information ............................................................................................................................ 57 + +Subject Listing Information Exhibits (H1) ........................................................................................................... 57 + +Sales Contract ................................................................................................................................................ 57 diff --git a/chunks/txt/d770226d3b150db3c0e4182fdbd9a754560fd761c85b4f602f47063501ba7fe6.txt b/chunks/txt/d770226d3b150db3c0e4182fdbd9a754560fd761c85b4f602f47063501ba7fe6.txt new file mode 100644 index 0000000000000000000000000000000000000000..074edadfca5f4b39fe041d3827a234917a8fd3e2 --- /dev/null +++ b/chunks/txt/d770226d3b150db3c0e4182fdbd9a754560fd761c85b4f602f47063501ba7fe6.txt @@ -0,0 +1,92 @@ +Yes +Yes + +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? + +Yes No +  + +Market + +Market Area Boundary The subject’s market area is framed to the North by I-70, to the East by Main Street, to the South and West by George +Washington Park. + +Search Criteria Description The pool of potential comparable sales was arrived at by applying the following filters: 3 bedroom, 2 bath built +within the past 10 years, located within the subject’s market area (east of Washington Park) during the past 12 months. + +Search Result Metrics + +Active Listings 7 + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +Housing Trends + +Demand/Supply + +Market Commentary + +52 +$325,000 +$349,000 +$369,000 +2 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph +Price Trend Source + +43 +$325,000 +$340,000 +$370,000 +No +Price Trend +ABC MLS + +In Balance + +Marketing Time + +Under 3 Months + +The Price Trend graph indicates no measurable change in prices during the identified lookback period. + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 9 of 19 +Page 9 of 19 + +Market (continued) + +Market Exhibits + +Price Trend + +This is where the Price Trend graph would display. + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Current or Relevant Listings + +Data Source + +None +MLS + +Prior Sale and Transfer History diff --git a/chunks/txt/d7782a5d80fbdea9819a9ac5c2f63cdfc2bbb44fedd93d51bfe65445e5d1dfe5.txt b/chunks/txt/d7782a5d80fbdea9819a9ac5c2f63cdfc2bbb44fedd93d51bfe65445e5d1dfe5.txt new file mode 100644 index 0000000000000000000000000000000000000000..53186d4b34eebda7062b0ae329368ec162618e31 --- /dev/null +++ b/chunks/txt/d7782a5d80fbdea9819a9ac5c2f63cdfc2bbb44fedd93d51bfe65445e5d1dfe5.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34881","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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  + +Highest and Best Use Commentary + +Highest and Best Use Exhibits + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/d79111b948ba579b7de713012f3fa76c4df88a7b82e711b212afd67db29a912a.txt b/chunks/txt/d79111b948ba579b7de713012f3fa76c4df88a7b82e711b212afd67db29a912a.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad43e477257f5e45325e9131bdcd995a565b7b5d --- /dev/null +++ b/chunks/txt/d79111b948ba579b7de713012f3fa76c4df88a7b82e711b212afd67db29a912a.txt @@ -0,0 +1,277 @@ +AssessorRecord + +BuilderOrDeveloper + +Other + +Real Estate Agent + +HomeownersAssociation + +MLS + +32495234 + +MLS + +23458202 + +MLS + +25394502 + +MLS + +12458450 + +MLS + +2342532 + +MLS + +3425353 + +MLS + +32453404 + +MLS + +5420130 + +MLS + +ThreeDimensionalScan + +Blank Gazette + +8675309 Jenny Ln + +Anytown + +Blank + +54321 + +IL + +Driveway + +Asphalt + +4 + +false + +626 + +Attached + +Garage + +3 + +ImpactResistantGlass + +ImpactResistantShingles + +false + +true + +false + +Neutral + +US Green Building Council + +2018 + +Gold + +LEED + +V4 + +None + +None + +500 + +Monthly + +AssociationDues + +None + +AssociationSpecialAssessment + +None + +false + +false + +true + +false + +Dwelling + +true + +2018 + +false + +FamilyRoom + +1 + +None + +Carpet + +NewOrLikeNew + +Carpet is Nylon short loop. + +CeramicTile + +NewOrLikeNew + +18" square stone tile. + +EngineeredWood + +NewOrLikeNew + +6" engineered oak plank. + +Nylon Short Loop and Engineered Wood + +Flooring + +FullyUpdated + +NewOrLikeNew + +Beamed 10' ceilings on the first level. + +9 Ft. and 10 Ft. | Custom + +WallsAndCeiling + +NineFeet + +TenFeetAndAbove + +Beams + +InteriorAndExteriorAccess + +WalkOut + +PartiallyBelowGrade + +1232 + +BelowGradeOne + +320 + +AboveGrade + +1552 + +LevelOne + +0 + +0 + +320 + +0 + +0 + +1552 + +1232 + +2784 + +false + +3 + +2 + +1 + +C1 + +Q3 + +2 + +Mixture of Tile and Granite + +FullyUpdated + +Similar + +true + +false + +Vacant + +Driveway + +4 + +Garage + +3 + +Bedroom 1 + +\\Images\Condo2_Bedroom1.jpg + +image/jpeg + +BelowGradeOne + +Bedroom + +Bedroom 2 + +\\Images\Condo2_Bedroom2.jpg + +image/jpeg + +BelowGradeOne + +Bedroom + +\\Images\Condo2_FullBath1.jpg + +image/jpeg + +BelowGradeOne + +NewOrLikeNew + +Tile on the floor, walls, and shower; granite counters. + +FullBathroom + +LessThanOneYear + +FullyUpdated + +\\Images\Condo2_FamilyRoom1.jpg diff --git a/chunks/txt/d7b4d6f8c03b3c134423149b04a5d89f1b059de12b289bad3e85f7545113b047.txt b/chunks/txt/d7b4d6f8c03b3c134423149b04a5d89f1b059de12b289bad3e85f7545113b047.txt new file mode 100644 index 0000000000000000000000000000000000000000..4d3c7e7413a1b9ad3912e24633fa00528d784c7d --- /dev/null +++ b/chunks/txt/d7b4d6f8c03b3c134423149b04a5d89f1b059de12b289bad3e85f7545113b047.txt @@ -0,0 +1,73 @@ +• borrower name; +• property address; +• +• +• +• one of the following + +certification language that the alteration or repair was satisfactorily completed; +signatures and date of the borrower; +visually verifiable exhibits of the completed work; and + +signature of the qualified professional, + +o +o a professionally prepared report, or +o paid invoices for the alterations or repairs. + +When either of these attestation letter options is used, a link within the letter to any digital exhibits is acceptable but must be +accessible by Fannie Mae for the life of the loan. These exhibits must be unaltered and able to be authenticated using metadata +and the geocode for the subject property. The letter and all documentation must be retained in the loan file. + +Criteria for Use of the Completion Report and Completion Alternatives + +Use the table below to determine the appropriate option for verifying completion of construction, alterations, or repairs. + +Appraisal + +Market Value Condition + +Performer + +Documentation Options + +Appraiser + +Completion Report with an on-site +inspection + +New or proposed construction - +subject to completion per plans +(and specifications) + +Appraiser + +Completion Report with virtual inspection + +Borrower and builder + +Borrower/builder attestation letter with +supporting evidence + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 66 of 166 + +UAD 3.6 Policy + +Appraiser + +Completion Report with an on-site +inspection + +Existing construction - subject to +repairs (or alterations) + +Appraiser + +Completion Report with virtual inspection + +Borrower + +Borrower attestation letter with supporting +evidence diff --git a/chunks/txt/d7bf295efcd304390a1d8dd94ae9876f657ebf8bc85561f89a6dd2e00ffdb29d.txt b/chunks/txt/d7bf295efcd304390a1d8dd94ae9876f657ebf8bc85561f89a6dd2e00ffdb29d.txt new file mode 100644 index 0000000000000000000000000000000000000000..147db6418bfa3fa7f21f88693206f1d48247c100 --- /dev/null +++ b/chunks/txt/d7bf295efcd304390a1d8dd94ae9876f657ebf8bc85561f89a6dd2e00ffdb29d.txt @@ -0,0 +1,91 @@ +0811.6 City/Town Taxes 4/15/14 to 4/30/14 + +0911.7 County Taxes __ to__ + +1011.8 Assessments __ to __ + +1111.9 HOA Dues 4/15/14 to 4/30/14 + +11.6.1 + +11.7.1 + +11.8.1 + +11.9.1 + +$50.00 0914.4 City/Town Taxes 4/15/14 to 4/30/14 + +1014.5 County Taxes __ to __ + 1114.6 Assessments __ to __ +$30.00 1214.7 HOA Dues 4/15/14 to 4/30/14 + +12.0 L. Paid Already by or on Behalf of Borrower at Closing 12.0.1 $227,015.00 + +15.0 N. Due from Seller at Closing + +0112.1 Deposit + +0212.2 Loan Amount + +12.1.1 + +$10,000.00 0115.1 Excess Deposit + +12.2.1 $211,000.00 0215.2 Closing Costs Paid at Closing (J) + +0312.3 Existing Loan(s) Assumed or Taken Subject to 12.3.1 +0412.4 Second Loan (Principal Balance $10,000) + +12.4.1 + +0315.3 Existing Loan(s) Assumed or Taken Subject to + 0415.4 Payoff of First Mortgage Loan + +$2,000.00 + +05 + +Satisfaction of Junior Lien ($5,000 POC +Borrower) + +0612.5 Seller Credit + +12.6 Other Credits + +0515.5 Payoff of Second Mortgage Loan + 0615.6 + 07 + +12.5.1 + +12.6.1 + +$2,500.00 0815.7 Seller Credit + 09 15.8 + +07 + +Rebate from Epsilon Title Company + +$750.00 + +10 + +12.7 Adjustments + +12.7.1 + +07 + +Relocation Funds from Employer, Inc. + +$300.00 + +Adjustments for Items Unpaid by Seller + +1212.8 City/Town Taxes 4/15/14 to 4/30/14 + +1312.9 County Taxes __ to __ + +1412.10 Assessments __ to __ diff --git a/chunks/txt/d7bf714193ef146cbdaee56aaecb60e11c655442060e80b14c4a00926a27183b.txt b/chunks/txt/d7bf714193ef146cbdaee56aaecb60e11c655442060e80b14c4a00926a27183b.txt new file mode 100644 index 0000000000000000000000000000000000000000..f73907270bd2a8f8a1de9289c23782b80d8b4f8e --- /dev/null +++ b/chunks/txt/d7bf714193ef146cbdaee56aaecb60e11c655442060e80b14c4a00926a27183b.txt @@ -0,0 +1,109 @@ +Jennifer James and Jennifer Jones are the same person with a last name change. + +Subject Property + +Physical Address + +County +Neighborhood Name + +123 Anywhere St +Some City, VA 20141 +Alpine +Magic Hill + +Attachment Type +Units Excluding ADUs +Accessory Dwelling Units +Special Tax Assessments + +Detached +1 +0 +Yes + +Description of Special Assessments and Impact to Value/ +Marketability Special assessment is for grading the road surface, +condition and utility comparable to other competing properties +resulting in no impact to value. + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Property on Native American Lands +Subject Site Owned in Common +Homeowner Responsible for all Exterior Maintenance of +Dwelling(s) +New Construction + +Yes No +  +  +  +  +  +  +  + +  + +Ownership Rights + +Property Rights Appraised + +Fee Simple + +All Rights Included in Appraisal + +Rights Not Included + +No +Mineral Rights + +Description of Rights Not Included Mineral rights not included, +typical for the area. + +Legal Description + +Section 23 Township 3S Range 3E Tax Lot 00700 and 00700B + +Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 3 of 30 +Page 3 of 30 + +Site + +Total Site Size + +5 Acres + +Assessor Parcel Number (APN) +919845 + +919846 + +Zoning + +Compliance +Impact + +No Zoning +Neutral + +Description of Zoning Compliance No zoning typical to County +Property Use + +Primarily Residential +Non-Residential Use +Non-Residential Modification + +Yes +Agricultural +Yes + +Description of Non-Residential Use/Modification Board fencing +around entire property to the barn. diff --git a/chunks/txt/d7c991cd6127eb5183eb61673f6ca29b440a139c0b0114ca7279819926aa0661.txt b/chunks/txt/d7c991cd6127eb5183eb61673f6ca29b440a139c0b0114ca7279819926aa0661.txt new file mode 100644 index 0000000000000000000000000000000000000000..5359d94143ab091303cf51f8a6fde8f3049f5011 --- /dev/null +++ b/chunks/txt/d7c991cd6127eb5183eb61673f6ca29b440a139c0b0114ca7279819926aa0661.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/781","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/d7d0acae5edb7e78ec64c04f7717de24d412638c2fd310b2f1c9a093996ea9fa.txt b/chunks/txt/d7d0acae5edb7e78ec64c04f7717de24d412638c2fd310b2f1c9a093996ea9fa.txt new file mode 100644 index 0000000000000000000000000000000000000000..116b38149a9634e4107665af572db83b64474e7b --- /dev/null +++ b/chunks/txt/d7d0acae5edb7e78ec64c04f7717de24d412638c2fd310b2f1c9a093996ea9fa.txt @@ -0,0 +1,78 @@ +Typical Wear and Tear + +Overall Update Status for +Flooring + +Not Updated + +Accessibility Features for Individuals with Disabilities + +Feature +Shower + +Comment +The shower has been modified. + +Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1) + +Uniform Residential Appraisal Report + +Page 8 of 21 +Page 8 of 21 + +Unit Interior (continued) + +Apparent Defects, Damages, Deficiencies (Unit Interior) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Flooring + +Location +Dining Room + +Description +Carpet is stained in one corner of the Dining +Room. + +Affects Soundness or +Structural Integrity +No + +Recommended +Action +None + +Unit Interior Commentary + +The below grade area has a custom finished wet bar including wood cabinets and countertops. Media room has custom cabinetry for speakers +and media devices. + +Unit Interior Exhibits + +Level B1 - Bath - Half + +Level B1 - Media Room + +This is where the Half Bathroom photo would display. + +This is where the Media Room photo would display. + +Level B1 - Recreation Room + +Level B1 - Wet Bar + +This is where the Recreation Room photo would display. + +This is where the Wet Bar photo would display. + +Level 1 - Bath - Full - Bath 3 + +Level 1 - Family Room + +This is where the Full Bath photo would display. + +This is where the Family Room photo would display. + +Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1) diff --git a/chunks/txt/d7d14b885210c8861cd0095f33e8ffc5c418f382e84edac880a12670977fd4ac.txt b/chunks/txt/d7d14b885210c8861cd0095f33e8ffc5c418f382e84edac880a12670977fd4ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..62f3b253ac0902cc9272c3d47916182e6d7a1855 --- /dev/null +++ b/chunks/txt/d7d14b885210c8861cd0095f33e8ffc5c418f382e84edac880a12670977fd4ac.txt @@ -0,0 +1,97 @@ +bold font. + +Figure 1 - 3 + +02 Original Appraisal + +The Original Appraisal section contains information from the original appraisal report. + +Page 13 + +The Original Appraisal section always displays (Figure 2 - 1) + +Restricted Appraisal Update Report: Original Appraisal + +Report +Field ID + +02.001 + +02.002 + +Report Label + +Unique ID MISMO Data Point Name + +Effective Date of +Appraisal +Opinion of Market +Value + +2800.0008 OriginalAppraisalEffectiveDate + +2800.0009 OriginalAppraisedValueAmount + +2900.0005 OriginalAppraisalMarketingOrExposureDaysCount + +02.003 + +Reasonable Exposure +Time + +2900.0006 +2900.0007 + +OriginalAppraisalMarketingOrExposureHighRangeDaysCount +OriginalAppraisalMarketingOrExposureLowRangeDaysCount + +02.004 +02.005 +02.006 + +Appraiser +Reference ID +Original Lender + +2900.0018 OriginalAppraiserUnparsedName +2900.0017 OriginalAppraiserFileIdentifier +2900.0057 OriginalLenderUnparsedName + +Display Rules + +Always displays + +Always displays + +Always displays in 1 of 2 ways: +− a single number followed by “days”, + +(e.g., 45 days) OR + +− two numbers indicating a range with +the low and high numbers separated +by “-“ and followed by “days” (e.g., +30-60 days). +Always displays +Always displays +Always displays + +Figure 2 - 1 + +Page 14 + +03 Appraisal Update + +The Appraisal Update section addresses whether the market value of the subject property decreased since the effective date of the original appraisal. +This section provides space for commentary and exhibits. + +The Appraisal Update section always displays. (Figure 3 - 1) + +Page 15 + +Restricted Appraisal Update Report: Appraisal Update + +Report +Field ID + +Report Label Name diff --git a/chunks/txt/d7e7ab73e76d57bfbbafbb8e3f8cf23fcc2e233f83971c6fa7307400a1c2e877.txt b/chunks/txt/d7e7ab73e76d57bfbbafbb8e3f8cf23fcc2e233f83971c6fa7307400a1c2e877.txt new file mode 100644 index 0000000000000000000000000000000000000000..cfbb02d9cf73d83d843da6a96a8b8e264fec7786 --- /dev/null +++ b/chunks/txt/d7e7ab73e76d57bfbbafbb8e3f8cf23fcc2e233f83971c6fa7307400a1c2e877.txt @@ -0,0 +1,131 @@ +CR + +CR + +CR + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 115 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +408 + +3 + +71 + +SALES +COMPARISON +APPROACH + +Common Elements + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='CommonElements']/@_Description + +20 + +String + +This field should indicate the common elements of the comparable project. + +T + +T + +T + +409 + +3 + +72 + +SALES +COMPARISON +APPROACH + +Common Elements Adjustment + +Sale Price +Adjustment +Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='CommonElements']/@_Amount + +10 + +Money + +UAD Requirement - See Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +The sum of this field 3-72 and fields (3- +60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-74, +3-76, 3-78, 3-80, 3-82, 3-84, 3-86, 3- +87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101, +3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. diff --git a/chunks/txt/d7ebae46ce29b7e28a68bcc678639428f7d3ccb04400184677e7c35bc51c22e1.txt b/chunks/txt/d7ebae46ce29b7e28a68bcc678639428f7d3ccb04400184677e7c35bc51c22e1.txt new file mode 100644 index 0000000000000000000000000000000000000000..9365d38ffedd4f11cb3feb019d90c3aa5292533c --- /dev/null +++ b/chunks/txt/d7ebae46ce29b7e28a68bcc678639428f7d3ccb04400184677e7c35bc51c22e1.txt @@ -0,0 +1,64 @@ +DATA_SOURCE to LISTING_INFORMATION_SUMMARY + +No Current or Relevant Listings Data Source. When the data source is associated with a subject property, provide the relationship that +joins to the applicable instance of LISTING_INFORMATION_SUMMARY where the ValuationUseType = "SubjectProperty". + +Unique ID + +Parent Container + +MISMO +Attribute +Name + +Supported Attribute Enumerations + +0900.0033 RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_LISTING_INFORMATION_SUMMARY + +0900.0034 RELATIONSHIP + +@xlink:from + +DATA_SOURCE_n + +0900.0035 RELATIONSHIP + +@xlink:to + +LISTING_INFORMATION_SUMMARY_n + +0900.0032 + +LISTING_INFORMATION_SUMMARY @xlink:label + +LISTING_INFORMATION_SUMMARY_n + +0700.0124 DATA_SOURCE + +@xlink:label + +DATA_SOURCE_n + +Refer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information. + +Appendix B-1: URAR Implementation Guide v1.3 + +20 Sales Contract + +Page 263 + +The Sales Contract section displays when an active sales contract exists. This section includes information for the subject property including +price, personal property, and sales concessions. This section provides space for analysis and exhibits. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 264 + +The Sales Contract section displays when SalesContractExistsIndicator (UID: 0600.0016, FID: 20.000) = “true”. When there is no sales +contract, deliver SalesContractExistsIndicator = “false” and the Sales Contract section and related subsections do not display. + +Was sales contract information analyzed? - SalesContractReviewedIndicator (UID: 0600.0010, FID: 20.001) diff --git a/chunks/txt/d7ebe639c0bbad5caf080463e53a65b7994fae3fb929eceedd1396e609fb01d7.txt b/chunks/txt/d7ebe639c0bbad5caf080463e53a65b7994fae3fb929eceedd1396e609fb01d7.txt new file mode 100644 index 0000000000000000000000000000000000000000..322a26bcc262089d8ec6819ec8293d46d1960c85 --- /dev/null +++ b/chunks/txt/d7ebe639c0bbad5caf080463e53a65b7994fae3fb929eceedd1396e609fb01d7.txt @@ -0,0 +1,59 @@ + ToName – the element name that is pointed to by the xlink:to attribute. + +Data Relationships Using Xlink and MISMO Arcroles + +Page 12 of 29 + +Version 1.1 + +___________ _ __ Rules for XLink Relationships + +Example of a “MISMO V3.3.0” arcrole value: + +xlink:arcrole="urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_ROLE" + +Example of an “extended” arcrole value: + +xlink:arcrole="urn:fdc:AcmeLending.com:2013:mortgage/PARTY_IsSubsidiaryOf_PARTY” + +RELAT IONSHIP ELEMENT “ARCROLE” FROMNAME/T ONAME VALUE ORDER + +When the relationship is connecting two container elements, the arcrole value used for the FromName +must precede the value of the ToName alphabetically. + +For example, if a relationship is being established between ROLE and LOAN elements, LOAN must be +the FromName and ROLE must be the ToName, since LOAN precedes ROLE alphabetically. + + Valid arcrole value: + +"urn:fdc:mismo.org:2009:residential/LOAN_IsAssociatedWith_ROLE" + + + +Invalid arcrole value: + +"urn:fdc:mismo.org:2009:residential/ROLE_IsAssociatedWith_LOAN" + +When the relationship is connecting a container element to a data point element, the FromName is always +the container name and the ToName is always the data point element name. + +For example: "urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsAssociatedWith_ Gross +LivingAreaSquareFeetNumber" + +Data Relationships Using Xlink and MISMO Arcroles + +Page 13 of 29 + +Version 1.1 + +___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles + +UNI FORM LOAN APPLI CATI ON DATASET ( ULAD) XLI NK ARCROLES + +OVERVIEW + +This section will provide information about data relationships used in the ULAD that will require the use +of Xlink and a MISMO arcroles. Each of these data relationships will require the use of the XLink +standard used to represent data relationships within the MISMO Data Standards and a MISMO arcrole. +The following list of data relationships that will be used as part of the ULAD implementation using +XLink within the MISMO Data Standards. diff --git a/chunks/txt/d7eec337872069dd69b5f37cd3db1f5c00f01053536b901cd2e1db91a11fb2bf.txt b/chunks/txt/d7eec337872069dd69b5f37cd3db1f5c00f01053536b901cd2e1db91a11fb2bf.txt new file mode 100644 index 0000000000000000000000000000000000000000..021bdfc97a194b6bed54e0fb21f651dd292b6d2a --- /dev/null +++ b/chunks/txt/d7eec337872069dd69b5f37cd3db1f5c00f01053536b901cd2e1db91a11fb2bf.txt @@ -0,0 +1,5 @@ +Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP + +Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + +[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/211&order=field_release_date&sort=asc) Report Attachment February 18, 2025 [2025 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2025) [Read Report](/document/2025-Scorecard.pdf) February 16, 2021 [2021 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2021) [Read Report](/AboutUs/Reports/ReportDocuments/2021-Scorecard.pdf) October 28, 2019 [2020 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2020) [Read Report](/document/2020-scorecard-for-fannie-freddie-and-css) December 19, 2018 [2019 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2019) [Read Report](/media/30036) December 21, 2017 [2018 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2018) [Read Report](/document/2018-scorecard-for-fannie-mae-freddie-mac-and-common-securitization-solutions) May 13, 2014 [2014 Scorecard for Fannie Mae, Freddie Mac and Common Securitization Solutions](/reports/conservatorships-performance-goals-scorecard/2014) [Read Report](/media/25081) March 04, 2013 [Conservatorship Strategic Plan: Performance Goals for 2013](/reports/conservatorships-performance-goals-scorecard/2013) [Read Report](/media/24876) March 09, 2012 [2012 Conservatorship Scorecard](/reports/conservatorships-performance-goals-scorecard/2012) [Read Report](/document/ExecComp3912F.pdf) diff --git a/chunks/txt/d7efeda821cad5c7f6eb08f76163224af6050899d089089eb19b8e036fa229cf.txt b/chunks/txt/d7efeda821cad5c7f6eb08f76163224af6050899d089089eb19b8e036fa229cf.txt new file mode 100644 index 0000000000000000000000000000000000000000..40743a050f7bf7060ce3aec2ca357e305d2eead8 --- /dev/null +++ b/chunks/txt/d7efeda821cad5c7f6eb08f76163224af6050899d089089eb19b8e036fa229cf.txt @@ -0,0 +1,188 @@ +Kitchen + +Overall Bathrooms + +Overall Flooring + +C3 + +Fully Updated + +Fully Updated + +C3 + +Fully Updated + +Fully Updated + +C3 + +Fully Updated + +Fully Updated + +C3 + +Fully Updated + +Fully Updated + +Significantly Updated + +Significantly Updated + +Significantly Updated + +Significantly Updated + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 14 of 22 +Page 14 of 22 + +Sales Comparison Approach (continued) + +Subject Property +201 Underhill Dr, Unit 202 +Nowhere, CA 90021 + +Comparable #1 + +201 Underhill Dr, Unit 204 +Nowhere, CA 90021 + +Comparable #2 +1633 Hundred Ave, Unit 801 +Nowhere, CA 90021 + +Comparable #3 +1639 Town St, Unit 333 +Nowhere, CA 90021 + +Balcony + +Balcony + +Indoor Fireplace - 1 + +Indoor +Fireplace - 1 + +Balcony + +Indoor +Fireplace - 1 + +Balcony + +Indoor +Fireplace - 1 + +Property Address + +Property Amenities + +Outdoor Living + +Whole Home + +Vehicle Storage + +Type | Spaces | Details + +Parking Garage | 2 | Owned + +Parking Garage | 2 | Owned + +$30,000 + +Common Carport | +2 | Unassigned + +Parking Garage | 2 | Owned + +Summary + +List Price + +Sale Price + +Net Adjustment Total + +Price Per Finished Area +Above Grade + +Adjusted Price + +Comparable Weight + +— + +$778,000 + +$778,000 + +$0 + +$712 + +$778,000 + +Most + +$790,000 + +$794,000 + +$25,000 + +$678 + +$819,000 + +Less + +$768,000 + +$765,000 + +$(10,000) + +$712 + +$755,000 + +Less + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$778,000 + +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/d7fc74f0c2fdce219d7878dff7b3f6c3d9b3c58d13c65e87150f37064a790b1f.txt b/chunks/txt/d7fc74f0c2fdce219d7878dff7b3f6c3d9b3c58d13c65e87150f37064a790b1f.txt new file mode 100644 index 0000000000000000000000000000000000000000..5e05842f2ffd029044a083526416d0fc9a521452 --- /dev/null +++ b/chunks/txt/d7fc74f0c2fdce219d7878dff7b3f6c3d9b3c58d13c65e87150f37064a790b1f.txt @@ -0,0 +1,47 @@ +10.4 Down Payment/Funds from Borrower - These two labels are mutually exclusive. Funds from Borrower is +only applicable to a refinance. Since the GSEs do not accept the Model Form for refinances, this line item is +always labeled Down Payment. Down payment is defined as the actual amount of the difference between +the purchase price of the property and the loan amount, stated as a positive number. + +Appendix E: UCD Implementation Guide + +Page 149 of 254 + +Version 1.4 + +Uniform Closing Dataset + +10.0 Calculating Cash to Close + +10.5 Deposit - The value for Deposit is the amount from section L. Paid Already by or on Behalf of Borrower at + +Closing in the Summaries of Transactions table (12.1.1). + +10.6 Funds for Borrower – amount disbursed to the consumer or used at the consumer’s discretion at + +consummation of the transaction. + +10.7 Seller Credits - amount of funds given by the seller to the borrower(s) for generalized credits for closing + +costs or for allowances for items purchased separately (12.5), as distinguished from Adjustments and +Other Credits (payments by the seller before closing). Disclosed as a negative number. + +10.8 Adjustments and Other Credits - The total amount of the Adjustments and Other Credits disclosed in + +Summaries of Transactions due from the borrower at consummation. + +10.9 Cash to Close - the sum totals of the amounts for the eight line items in the Loan Estimate and the Final + +columns of the Cash to Close Table. + +Calculating Cash to Close + +10.0 Use this table to see what has changed from your Loan Estimate. + +Loan Estimate + +Final + +Did this change? + +10.1 Total Closing Costs (J) diff --git a/chunks/txt/d80a86e36a208e77eb1f4bf6e7c5eb26349d91b00bac0a05e8d5f8555f0b4186.txt b/chunks/txt/d80a86e36a208e77eb1f4bf6e7c5eb26349d91b00bac0a05e8d5f8555f0b4186.txt new file mode 100644 index 0000000000000000000000000000000000000000..212f9f9f5f385930f7a72c4867eb7c7863b19bf1 --- /dev/null +++ b/chunks/txt/d80a86e36a208e77eb1f4bf6e7c5eb26349d91b00bac0a05e8d5f8555f0b4186.txt @@ -0,0 +1,3 @@ +See below for additional information on steps that FHFA and its regulated entities are taking to lower the regulated entities' respective exposures to post-2021 LIBOR products in a safe, sound, and prudent manner. + +## News Releases diff --git a/chunks/txt/d80b5b8d0a7e8eef5528b7a34b7b98a498baae9bcca7d6f593081b1305708cbd.txt b/chunks/txt/d80b5b8d0a7e8eef5528b7a34b7b98a498baae9bcca7d6f593081b1305708cbd.txt new file mode 100644 index 0000000000000000000000000000000000000000..f438e2372edbe07337c2d006d0dc64035e5d46b4 --- /dev/null +++ b/chunks/txt/d80b5b8d0a7e8eef5528b7a34b7b98a498baae9bcca7d6f593081b1305708cbd.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/blog/statistics/fhfa-mortgage-loan-and-natural-disaster-dashboard-blog-a-case-study-of-hurricane-beryl" +date_accessed: "2026-01-27T18:10:56.422Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/d815a2086cdd9643ce3d64e57c1c8ff2239da183bc9b0f6a2d0b8fd7ec20ac2a.txt b/chunks/txt/d815a2086cdd9643ce3d64e57c1c8ff2239da183bc9b0f6a2d0b8fd7ec20ac2a.txt new file mode 100644 index 0000000000000000000000000000000000000000..2a2c143fd4380878658bf8ffa3090d882f106eff --- /dev/null +++ b/chunks/txt/d815a2086cdd9643ce3d64e57c1c8ff2239da183bc9b0f6a2d0b8fd7ec20ac2a.txt @@ -0,0 +1,43 @@ +ROLE + +Captures details about the role each party plays in the delivered loan. + +INVESTOR_FEATURE + +It exists in both the DEAL_SET and LOAN container, and captures +special loan characteristics. + +COMBINED_LTV + +Captures combined loan-to-value (CLTV) ratios. + +LOAN + +Represents a portion of the data that defines a single loan delivery. +Each LOAN container defines a point in time for the state of a loan +being delivered or data from an associated related loan. Together, +the multiple LOAN containers within a DEAL fully define a single loan +delivery (a DEAL). + +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +June 2018 | 14 of 22 + +5.3. Loan Container Repeatability + +The MISMO Version 3.0 Reference Model supports multiple occurrences of the LOAN container. +This provides the ability to capture loan characteristics of the delivered loan at different points in +time, as well as the loan characteristics of loans associated with the delivered loan. Multiple +LOAN containers are defined by two concepts – Loan Role and Loan State – which work +together to identify the containers needed to capture required loan characteristics. Data points +within the LOAN container will have different conditionality, depending on the Loan Role and Loan +State (refer to Appendix A: Fannie Mae XML Data Requirements for details). + +5.3.1. Loan Role + +LoanRoleType is an attribute of the LOAN container. It is not an element. LoanRoleType +identifies data for the delivered loan versus data for an associated loan. + + A LOAN container with LoanRoleType = SubjectLoan is always required. This + +identifies the LOAN container that holds characteristics of the loan being delivered. diff --git a/chunks/txt/d818c97422aacbcbeefa24d46b6f02fe7177f317f042586e55451e33b5d2de24.txt b/chunks/txt/d818c97422aacbcbeefa24d46b6f02fe7177f317f042586e55451e33b5d2de24.txt new file mode 100644 index 0000000000000000000000000000000000000000..e56f0608ec714a3a2a7f75c2922504795cacbb12 --- /dev/null +++ b/chunks/txt/d818c97422aacbcbeefa24d46b6f02fe7177f317f042586e55451e33b5d2de24.txt @@ -0,0 +1,97 @@ +Supervisor Report +Signed Date + +Indicates the date the supervisor signed +the report. + +/VALUATION_RESPONSE/REPORT/@SupervisorReportSignedDate + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +State Certification # + +Appraiser License +Identifier + +State license number of the appraiser who +completed the final estimate of value for +the subject property. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE[ +@_Type='Certificate']/@_Identifier + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +or State License # + +Appraiser License +Identifier + +State license number of the appraiser who +completed the final estimate of value for +the subject property. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE[ +@_Type='License']/@_Identifier + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +State + +Appraiser License +State + +The state in which the appraiser is +licensed. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE/ +@_State + +APPRAISER +CERTIFICATION + +Supervisory Appraiser +Expiration Date of Certification or +License + +Appraiser License +Expiration Date + +The expiration date of the appraiser's +license. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICENSE/ +@_ExpirationDate + +APPRAISER +CERTIFICATION + +Did not inspect exterior of subject +property + +Appraisal Inspection +Type + +Specifies the extent of the property +inspection. + +/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais +alInspectionPropertyType='Subject' and @AppraisalInspectionType='None'] + +APPRAISER +CERTIFICATION + +Did inspect exterior of subject property +from street + +Appraisal Inspection +Type + +Specifies the extent of the property +inspection. diff --git a/chunks/txt/d81c84b0511b61091e92633ac7a2ec8fab0a7714057cae8c406b862db87573d0.txt b/chunks/txt/d81c84b0511b61091e92633ac7a2ec8fab0a7714057cae8c406b862db87573d0.txt new file mode 100644 index 0000000000000000000000000000000000000000..60354387d0e874eca1afd77969fff8fc5c77c331 --- /dev/null +++ b/chunks/txt/d81c84b0511b61091e92633ac7a2ec8fab0a7714057cae8c406b862db87573d0.txt @@ -0,0 +1,5 @@ +Construction not Completed Per Plans and Specifications .......................................................................................................................................... 29 + +Additional Exhibits ....................................................................................................................................................................................................... 29 + +08 Assignment Information ............................................................................................................................................................................................ 31 diff --git a/chunks/txt/d82984d89a6c92353741f91f8d9c9edaf281055eada429ce2332dfe1eec1f793.txt b/chunks/txt/d82984d89a6c92353741f91f8d9c9edaf281055eada429ce2332dfe1eec1f793.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce853e9e08e5ec1e1b127ff783a4dc318f81e1b7 --- /dev/null +++ b/chunks/txt/d82984d89a6c92353741f91f8d9c9edaf281055eada429ce2332dfe1eec1f793.txt @@ -0,0 +1,177 @@ +3214 Somewhere Pl +Anywhere, MD 20854 + +Deck | Deck + +Deck | Deck + +Elevator | Indoor Fireplace - 1 + +Elevator | Indoor +Fireplace - 1 + +Deck | Deck + +Indoor +Fireplace - 1 + +Deck | Deck + +$5,000 + +Elevator | Indoor +Fireplace - 3 + +$(4,000) + +Property Address + +Property Amenities + +Outdoor Living + +Whole Home + +Vehicle Storage + +Type | Spaces | Detail + +Garage | 2 | Built-in 648 Sq. Ft. + +Garage | 2 | Built-in + +Garage | 2 | Built-in + +Garage | 2 | Built-in + +Summary + +List Price + +Contract Price + +Sale Price + +Net Adjustment Total + +Price Per Finished +Area Above Grade + +Adjusted Price + +Comparable Weight + +$875,000 + +$866,000 + +$875,000 + +— + +$870,000 + +$0 + +$266 + +$870,000 + +Most + +$799,900 + +— + +$780,000 + +$122,100 + +$392 + +$902,100 + +Most + +$840,000 + +— + +$835,000 + +$17,000 + +$243 + +$852,000 + +Less + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$880,000 + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2) + +Uniform Residential Appraisal Report + +Page 15 of 22 + +Sales Comparison Approach (continued) + +General Information + +Property Address + +Subject Property + +Comparable #4 + +Comparable #5 + +1234 Anywhere Pl +Anywhere, MD 20854 + +2134 Nothing Hill Pl +Anywhere, MD 20854 + +7890 Some Pl +Anywhere, MD 20854 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Site + +Site Size + +This is where the +Subject Property photo +would display. + +This is where the +Comparable 4 photo +would display. diff --git a/chunks/txt/d82e1e745d2d20c2d2e5295fd6345ebc04c73fbcc9a343321abb4c988a3f8267.txt b/chunks/txt/d82e1e745d2d20c2d2e5295fd6345ebc04c73fbcc9a343321abb4c988a3f8267.txt new file mode 100644 index 0000000000000000000000000000000000000000..bfdeda64a56010990c5a5eea83eaf2fe45a71730 --- /dev/null +++ b/chunks/txt/d82e1e745d2d20c2d2e5295fd6345ebc04c73fbcc9a343321abb4c988a3f8267.txt @@ -0,0 +1,60 @@ +The subject property is currently under contract for $866,000 with the final opinion of market value being +$880,000. + +Key Characteristics + +• Parties associated with this transaction: + +o Lender (Client) +o AMC +o Licensed Residential Appraiser completed interior inspection + +• Connected to public electricity, gas, sanitary sewer, and water +• Construction Method: Site Built +• Attachment Type: Attached (End-Unit Townhouse) +• Property Rights: Fee Simple +• Defects, Damages, Deficiencies have been identified +• Sales Comparison Approach was the only approach to value considered +• Sales Comparables: + +o Three closed sales +o Two current listings + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. + +This cover section, including Introduction and Key Characteristics, + +is not part of the URAR. + +Uniform Residential Appraisal Report + +1234 ANYWHERE PL, ANYWHERE, MD 20854 + +SUMMARY + +Opinion of Market Value + +$880,000 + +Market Value Condition + +Subject to Inspection +Subject to Repair + +Final Value Condition Statement This appraisal is made subject to the itemized list of required inspections below based on the +extraordinary assumption that the condition or deficiency does not require alteration or repair, and subject to the itemized list of repairs +recommended below on the basis of a hypothetical condition that the repairs or alterations have been completed in a professional manner. +This might have affected the assignment results. +08/07/2019 +Effective Date of Appraisal +Purchase +Assignment Reason +Betty Borrower +Borrower Name +Bob Borrower +John Doe +$866,000 +Pending diff --git a/chunks/txt/d834a131d957158a0f270df6be7d77da42b61b996af7cc3496f0aa79e24bcea6.txt b/chunks/txt/d834a131d957158a0f270df6be7d77da42b61b996af7cc3496f0aa79e24bcea6.txt new file mode 100644 index 0000000000000000000000000000000000000000..713370848f61f269c6aef9d3928e7c056cfba791 --- /dev/null +++ b/chunks/txt/d834a131d957158a0f270df6be7d77da42b61b996af7cc3496f0aa79e24bcea6.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/pilot-transparency" +date_accessed: "2026-01-27T17:47:54.380Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/d8499cb7b0cd77ec9d8e6fd41bb371c201bfd81a17dc5c133256adbd9bd140ad.txt b/chunks/txt/d8499cb7b0cd77ec9d8e6fd41bb371c201bfd81a17dc5c133256adbd9bd140ad.txt new file mode 100644 index 0000000000000000000000000000000000000000..3a6f2c0cccc394e04b528fd8ad8a1a10c6745d45 --- /dev/null +++ b/chunks/txt/d8499cb7b0cd77ec9d8e6fd41bb371c201bfd81a17dc5c133256adbd9bd140ad.txt @@ -0,0 +1,35 @@ +## [Data Governance Resources](/data/data-governance-resources) + +These resources include the Agency-level data governance body charter, Information Resources Management (IRM) Strategic Plan, and Open Data Plan. + +*Page last u​pdated: August 18, 2025​​* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/d84aafbfa430e3cb4801c67ccaa3f805d38d76309899d820a051f1c4dcab1e1d.txt b/chunks/txt/d84aafbfa430e3cb4801c67ccaa3f805d38d76309899d820a051f1c4dcab1e1d.txt new file mode 100644 index 0000000000000000000000000000000000000000..d06cd4b57b4a88a6c1a46e71a79bc647c495d12a --- /dev/null +++ b/chunks/txt/d84aafbfa430e3cb4801c67ccaa3f805d38d76309899d820a051f1c4dcab1e1d.txt @@ -0,0 +1,7 @@ +Definition of Market Value (H1) ......................................................................................................................... 78 + +Statement of Assumptions and Limiting Conditions (H1) .................................................................................. 78 + +Certifications ....................................................................................................................................................... 78 + +Appraiser Certifications (H1) .............................................................................................................................. 78 diff --git a/chunks/txt/d8522bf1b4249747bb02fb9cb69a5e5ae89c6a215ad013a7abd9a63e284fef7c.txt b/chunks/txt/d8522bf1b4249747bb02fb9cb69a5e5ae89c6a215ad013a7abd9a63e284fef7c.txt new file mode 100644 index 0000000000000000000000000000000000000000..88473025d54256ed26d69dac6fe9947a84b79a1b --- /dev/null +++ b/chunks/txt/d8522bf1b4249747bb02fb9cb69a5e5ae89c6a215ad013a7abd9a63e284fef7c.txt @@ -0,0 +1,7 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +Page 13 + +Energy Efficient and Green Features Exhibits .......................................................................................................................................................................... 149 + +07 Sketch ............................................................................................................................................................................................................................................ 150 diff --git a/chunks/txt/d85d0900346dedf6247d4544dbfdbc2eaf1d14b6c061b8410db1cb4affcabf8c.txt b/chunks/txt/d85d0900346dedf6247d4544dbfdbc2eaf1d14b6c061b8410db1cb4affcabf8c.txt new file mode 100644 index 0000000000000000000000000000000000000000..91af5fae8ccb2248416a402429024473e7d445b1 --- /dev/null +++ b/chunks/txt/d85d0900346dedf6247d4544dbfdbc2eaf1d14b6c061b8410db1cb4affcabf8c.txt @@ -0,0 +1,82 @@ +Dwelling + +Outbuilding/ADU + +Display when ImprovementType (UID: +0300.0009) = “Dwelling” and +ConstructionMethodType (UID: 0300.0034) += “Manufactured” + +Display when +ManufacturedHomeModificationIndicator = +"true". If there are multiple, display as +stacked. + +Display when (ImprovementType (UID: +0300.0009) = "Outbuilding" AND +OutbuildingType (UID: 0300.0025) = +"ManufacturedHome" AND +LivingUnitCount (UID: 0300.0063) > 0) +Display when +ManufacturedHomeModificationIndicator = +"true". If there are multiple, display as +stacked. + +Display when +ManufacturedHomeModificationIndicator = +"true" + +Display when +ManufacturedHomeModificationIndicator = +"true" + +Always display + +Always display + +Subsection always displays. + +Display when Exists. +Display when +ManufacturedHomeHUDDataPlateAttachedIn +dicator = “true” OR (when +ManufacturedHomeHUDDataPlateAttachedIn +dicator = “false” AND Exists) +Display when +ManufacturedHomeHUDDataPlateAttachedIn +dicator = “true” OR (when +ManufacturedHomeHUDDataPlateAttachedIn +dicator = “false” AND Exists) +Display when +ManufacturedHomeHUDDataPlateAttachedIn +dicator = “true” OR (when +ManufacturedHomeHUDDataPlateAttachedIn +dicator = “false” AND Exists) +Display when +ManufacturedHomeHUDDataPlateAttachedIn +dicator = “true” OR (when +ManufacturedHomeHUDDataPlateAttachedIn +dicator = “false” AND Exists) + +NA +Display when +ManufacturedHomeHUDDataPlateAttachedIn +dicator = “true” OR (when +ManufacturedHomeHUDDataPlateAttachedIn +dicator = “false” AND Exists) + +NA + +NA + +NA + +HUD Certification Label + +Subsection always displays. + +Appendix B-1: URAR Implementation Guide v1.3 + +Manufactured Home + +Display Rules diff --git a/chunks/txt/d8616c69086f629d448fb0aea991e60fa20f3e9518fb7db11b8c3ed5ee8f3bad.txt b/chunks/txt/d8616c69086f629d448fb0aea991e60fa20f3e9518fb7db11b8c3ed5ee8f3bad.txt new file mode 100644 index 0000000000000000000000000000000000000000..5f96beeed87733e70f62c0edd68bd0c865dae2bf --- /dev/null +++ b/chunks/txt/d8616c69086f629d448fb0aea991e60fa20f3e9518fb7db11b8c3ed5ee8f3bad.txt @@ -0,0 +1,152 @@ +Project Common +Elements Leased +Indicator + +Indicates that project common +elements are leased by the project +management (e.g., HOA). + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT[@_CommonElementsLeasedIndicator='N' +] + +1 + +1 + +Boolean + +Boolean + +64 + +65 + +2 + +3 + +4 + +459 + +460 + +461 + +462 + +463 + +464 + +465 + +466 + +467 + +3 + +3 + +4 + +4 + +4 + +4 + +5 + +5 + +5 + +PROJECT +INFORMATION + +PUD +If yes, describe the rental +terms and options. + +Project Common +Elements Lease +Terms Description + +A free-form text field used to describe +the project management leasing status +of project common elements. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT/@_CommonElementsLeaseTermsDescript +ion + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +PROJECT +INFORMATION + +PUD +Describe common +elements and recreational +facilities + +Project Common +Elements Description + +A free-form text field used to describe +project common elements and +recreation facilities. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT/@_CommonElementsDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +HEADER + +BLANK + +HEADER + +File # + +Report Title +Description + +Appraiser File +Identifier + +HEADER + +BLANK + +Appraiser Additional +File Identifier Name + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_Title +Description + +This is an identifier or number used +by the appraiser to identify their +reports. It is generally specific to the +appraiser +Secondary report identifier used by +the appraiser to identify appraisal +reports. This field may carry the FHA +number, case number, loan number or +some other identifier. diff --git a/chunks/txt/d86849c3924d5a3044bcef226af0425da823d39bb3029ca5fa2a80c4b28e6f55.txt b/chunks/txt/d86849c3924d5a3044bcef226af0425da823d39bb3029ca5fa2a80c4b28e6f55.txt new file mode 100644 index 0000000000000000000000000000000000000000..982360590c4fa368121f1523e4e23b40d56bbba7 --- /dev/null +++ b/chunks/txt/d86849c3924d5a3044bcef226af0425da823d39bb3029ca5fa2a80c4b28e6f55.txt @@ -0,0 +1,243 @@ +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +T + +T + +T + +T + +109 + +110 + +111 + +112 + +113 + +114 + +115 + +116 + +117 + +118 + +119 + +120 + +121 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 179 of 211 + +Document Version 1.4 + +122 + +123 + +124 + +125 + +126 + +127 + +128 + +129 + +130 + +131 + +132 + +133 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +Boolean + +UAD Instruction - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that +the box has not been checked. + +If an Alley exists, at least one of fields 1-115, 1- +116 (values of Property Off Site Improvement +Ownership Typ)e should be indicated. + +116 + +SITE + +Alley +Private + +Property Off Site +Improvement Exists +Indicator + +Indicates that the particular off-site +improvement feature specified by +Property Off Site Improvement Feature +Type is present. + +117 + +SITE + +FEMA Special Flood Hazard +Area +Yes + +GSE FEMA Special +Flood Hazard Area +Indicator + +Indicates whether any part of the subject +parcel is in a FEMA designated Flood +Zone. + +118 + +SITE + +FEMA Special Flood Hazard +Area +No + +GSE FEMA Special +Flood Hazard Area +Indicator + +Indicates whether any part of the subject +parcel is in a FEMA designated Flood +Zone. + +119 + +SITE + +FEMA Flood Zone + +GSE NFIP Flood +Zone Identifier + +The FEMA Flood Zone identifier for the +subject site. + +120 + +SITE + +FEMA Map # + +GSE FEMA Flood +Map Identifier diff --git a/chunks/txt/d886c1c01f06332caa3376779b1813a2e213a15a92c0203385abcb9891c732d4.txt b/chunks/txt/d886c1c01f06332caa3376779b1813a2e213a15a92c0203385abcb9891c732d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..4ea9cc14a33fcb546db409a3e143e6ed94ab4cd0 --- /dev/null +++ b/chunks/txt/d886c1c01f06332caa3376779b1813a2e213a15a92c0203385abcb9891c732d4.txt @@ -0,0 +1,19 @@ +1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this +appraisal report. + +2. I did not perform a personal visual inspection of the subject property as part of this appraisal assignment. I reported the +condition of the improvements in factual, specific terms, relying on subject property information from third party data sources. I +reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. + +3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal +Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in +place at the time this appraisal report was prepared. + +4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison +approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal +assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless +otherwise indicated in this report. + +5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale +of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property +for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. diff --git a/chunks/txt/d886e73b20246ed9f6b82c726154b38f77b24c42889c3ee1e07c9b94d1de7c71.txt b/chunks/txt/d886e73b20246ed9f6b82c726154b38f77b24c42889c3ee1e07c9b94d1de7c71.txt new file mode 100644 index 0000000000000000000000000000000000000000..54f4cef337f217303f1621e03d390fca87ced82c --- /dev/null +++ b/chunks/txt/d886e73b20246ed9f6b82c726154b38f77b24c42889c3ee1e07c9b94d1de7c71.txt @@ -0,0 +1,73 @@ +MECHANICAL SYSTEMS TABLE + +Appendix E: Report Style Guide + +Page 50 of 90 + +Version 1.4 + +Right-hand side of page + +• + +“Other Mechanical Systems” sets as TXR-B, TXR + +Apparent Defects, Damages, Deficiencies ([Outbuilding Type]) (H1) + +• + +• + +If applicable per iGuide, set “None” as TXC + +If applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items +listed below represent the As Is condition as of the effective date of this report”. + +Outbuilding DDD table (same format as Site DDD table) + +• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural + +Integrity,” “Recommended Action” set as TCH in 5 column table x 45 picas. + +• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell) + +• Column 3: + +13 picas wide (~42 characters max per line in each cell) + +• Content sets as TB. + +DEFECTS, DAMAGES, DEFICIENCIES TABLE + +Outbuilding Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Outbuilding Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Vehicle Storage” sets as TAB. + +Vehicle Storage table + +• Set 3 equal column table x 45 picas, headings: (TCH) “Storage,” “Number of Parking Spaces,” + +“Detail” (~60 characters max per line in each cell). + +• Content sets as TB. + +VEHICLE STORAGE TABLE + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) (H1) + +• + +• + +If applicable per iGuide, set “None” as TXC. + +If applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed +below represent the As Is condition as of the effective date of this report”. + +Appendix E: Report Style Guide diff --git a/chunks/txt/d88f081d3368dfbc17830a88135e6da7774eb8f501303c9090c07789a0f30372.txt b/chunks/txt/d88f081d3368dfbc17830a88135e6da7774eb8f501303c9090c07789a0f30372.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd0b1054d86741a7b8a9c80aa8c11df13cc588a4 --- /dev/null +++ b/chunks/txt/d88f081d3368dfbc17830a88135e6da7774eb8f501303c9090c07789a0f30372.txt @@ -0,0 +1,54 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +When a given PARTY plays multiple roles (e.g., Lender is also the Client), then both roles must be identified in the same instance of the +PARTY container via multiple occurrences of the ROLE container, and the specific role played by the party is captured in +ROLE/ROLE_DETAIL/PartyRoleType. + +• When Lender is also the Client, the instance of the PARTY container representing Lender must have two instances of the ROLE + +container. One of the instances must identify ROLE/ROLE_DETAIL/PartyRoleType as “Lender”, the second instance must identify +ROLE/ROLE_DETAIL/PartyRoleType as “Client”. Similarly, when AMC is the Client, or Attorney is the Client, the PARTY container must +include two instances of ROLE container. The snippet provided below depicts a PARTY container where Lender is also the Client. + +Page 89 + +Appendix B-1: URAR Implementation Guide v1.3 + +When Lender/AMC is Not the Client + +• Deliver the appraisal management company information if an appraisal management company exists but is not the client. (Figure 2 - + +3) + +Page 90 + +Figure 2 - 3 + +Appendix B-1: URAR Implementation Guide v1.3 + +• Deliver the lender information if a lender exists but is not the client. (Figure 2 - 4) + +Figure 2 - 4 + +Page 91 + +Appendix B-1: URAR Implementation Guide v1.3 + +• Deliver the property data collector information if a property data report is used. (Figure 2 - 5) + +Page 92 + +Figure 2 - 5 + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 93 + +Assignment Information: Contact Information – [Role]/[Role] – Non-Clients + +Report +Field ID + +Report Label + +Unique ID diff --git a/chunks/txt/d8985f151f3ea0d883205690b1e65d44577f5b6a09d6f4194847eeb7a2b1d108.txt b/chunks/txt/d8985f151f3ea0d883205690b1e65d44577f5b6a09d6f4194847eeb7a2b1d108.txt new file mode 100644 index 0000000000000000000000000000000000000000..a8c30305c720a1bd543cb582a9bb069edce20566 --- /dev/null +++ b/chunks/txt/d8985f151f3ea0d883205690b1e65d44577f5b6a09d6f4194847eeb7a2b1d108.txt @@ -0,0 +1,12 @@ +***The 2023 ​Rural Areas file contains changes made by the Census Bureau to census tracts in Connecticut that reflect the adoption of regional planning organizations as county-equivalents and replaces the eight county codes with nine new county-equivalent codes. A crosswalk file of Connecticut census tracts reflecting these changes can be found on github under CT-Data-Collaborative.* + +## Indian Tribe Areas Data + +--- + +**Year** **Format** **Dictionary** ​**DTS Plan Cycle​** 2025 [[ZIP]](/document/dts_aian_2025.zip) [[PDF]](/document/ia_areas_readme_2025.pdf) 2025-2027 (applies to plan years 2026 and 2027) +(2020 Census Tracts) +**Effective January 1, 2026** ​2023 [​[ZIP]](/sites/default/files/2023-10/dts_aian_2023.zip) [​[PDF]](/sites/default/files/2023-10/DTS_IA_Areas_README_2023.pdf) 2022-2024​ and 2025 +(2020 Census Tracts) ​2022 [​[ZIP]](/sites/default/files/2023-10/dts_aian_2022.zip) [​[PDF]](/sites/default/files/2023-10/IA_Areas_README_2022.pdf) 2022-2024​ +(2020 Census Tracts) ​2020 [​[ZIP]](/sites/default/files/2023-10/dts_aian_2020.zip) [​[PDF]](/sites/default/files/2023-10/IA_Areas_README_2020.pdf) 2022-2024​ +(2010 Census Tracts) 2018 [[ZIP]](/sites/default/files/2023-10/dts_aian_2018.zip) [[PDF]](/sites/default/files/2023-10/IA_Areas_README_2018.pdf) ​2018-2021 2017 [[ZIP]](/sites/default/files/2023-10/dts_ia_2017.zip) [[PDF]](/sites/default/files/2023-10/IA_Areas_README_2017.pdf) 2018-2021​ ## High Opportunity Areas Data diff --git a/chunks/txt/d8ab894f848a6e7ea6faa9cf520f6b4e797eecf3ad3974444b14f1ea3516addf.txt b/chunks/txt/d8ab894f848a6e7ea6faa9cf520f6b4e797eecf3ad3974444b14f1ea3516addf.txt new file mode 100644 index 0000000000000000000000000000000000000000..67327865eae392a495aebb015ed4683d0108ec7b --- /dev/null +++ b/chunks/txt/d8ab894f848a6e7ea6faa9cf520f6b4e797eecf3ad3974444b14f1ea3516addf.txt @@ -0,0 +1,57 @@ +Desktop Underwriter Validation Service +Integration Impact Memo +February Update + +Jan 23, 2025 + +During the weekend of February 21, 2025, Fannie Mae will implement changes to the Desktop Underwriter® (DU®) validation +service. + +Please review the following Integration Impact Memo to ensure that your integrated system(s) will be prepared to support this +release. + +This update will introduce new reason codes related the DU validation service. + +NOTE: Integrated systems that receive and display the DU Underwriting Findings report TXT file, HTML and/or PDF files +should not be impacted since these files are for display purposes only and parsing is not supported. However, if your +integrated systems parse the HTML and/or TXT versions of the DU Underwriting Findings, your system may be impacted +by this release. These changes will apply to conventional loan casefiles submitted or resubmitted to DU on or after +February 21, 2025, via Direct Integration and the User Interface (UI). + +DU Underwriting Findings - Updated DU Validation Service Message Parameters +DU will implement business rules to update reason code parameters for DU validation service messages in the DU +Underwriting Findings Report. + +Integrated systems that receive and parse the following reason code parameter(s) of the following DU messages may need to be +updated to support these changes. + +Message +Identifier +3303 + +Message +Parameter Status +Added + +Borrower SSN does not match the SSN +provided to the vendor + +Reason Code Text + +Reason Code Trigger + +3307 + +Added + +No active employment found in the VOI/VOE +report + +This reason code will be returned when the +borrower’s Social Security Number does not +match the Social Security Number(s) within a +verification report. +This reason code will be returned when no +active employment record is found in the +verification report that matches the employer +name in the loan application. diff --git a/chunks/txt/d8bf228e71886284d333918a4cbe5ccde38aff53a4f3dee4efcac94cb3b805e8.txt b/chunks/txt/d8bf228e71886284d333918a4cbe5ccde38aff53a4f3dee4efcac94cb3b805e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..6b420999250ee636febba756d159603c407e5f64 --- /dev/null +++ b/chunks/txt/d8bf228e71886284d333918a4cbe5ccde38aff53a4f3dee4efcac94cb3b805e8.txt @@ -0,0 +1,75 @@ +Nowhere Technologies + +XYZ Lending Inc. + +123 Tree Lined St + +Anywhere + +12345 + +TN + +Lender + +Client + +Annie + +Appraiser + +123 Willow St + +Anywhere + +12345 + +TN + +General Appraisal Services + +LicensedResidentialAppraiser + +2024-01-30 + +T235719287434 + +TN + +Appraiser + +AppraisalFee + +0 + +John + +Doe + +Borrower + +PropertyOwner + +Jane + +Doe + +Borrower + +PropertyOwner + +Valuation + +2022-03-14 + +\\MH2_Appraisal_v1.3.pdf + +application/pdf + +1 + +AppraisalReport + +FNM_FRE + +September 2024 diff --git a/chunks/txt/d8bffb07efa0766513e1564d39b9a5c2add358ec9c2217a21154bfc538c96fc3.txt b/chunks/txt/d8bffb07efa0766513e1564d39b9a5c2add358ec9c2217a21154bfc538c96fc3.txt new file mode 100644 index 0000000000000000000000000000000000000000..5fb388e81fc4311afabbf41656acb1a2f59c19bd --- /dev/null +++ b/chunks/txt/d8bffb07efa0766513e1564d39b9a5c2add358ec9c2217a21154bfc538c96fc3.txt @@ -0,0 +1,58 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix D-1: Single Family Scenario 5 Alternate Font (SF5-A) +Document Version 1.1 +June 10, 2025 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. +© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Revision History + +Date + +Version # Revision Description + +06/10/2025 + +1.1 + +04/03/2025 + +1.0 + +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. +Copy of the Single Family 5 (SF5) Scenario, originally published on +9/17/2024, using alternate fonts: +• Calibri for text +• Wingdings for checkboxes + +Introduction + +Sample Scenario SF5-A has the same content as SF5 but uses alternate fonts (Calibri and Wingdings +instead of Myriad Pro and Wingdings2). + +This report is for a single-family detached ranch-style home with 1,260 square feet on one level. There is +a driveway and a deck. + +Key Characteristics + +• Parties associated with this transaction: + +o Client/Lender +o Appraiser + +• Assignment Reason: Refinance +• Property Valuation Method: Traditional Appraisal +• Construction Method: Site Built +• Appraisal is made As Is, with no Defects, Damages, or Deficiencies +• Sales Comparison Approach section includes Additional Properties Analyzed Not Used +• Revision History including Borrower-Initiated Reconsideration of Value + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. diff --git a/chunks/txt/d8c3038aaf08487f6afad0aced525570c07f8dae3d2e861a66aa5c91a0e46020.txt b/chunks/txt/d8c3038aaf08487f6afad0aced525570c07f8dae3d2e861a66aa5c91a0e46020.txt new file mode 100644 index 0000000000000000000000000000000000000000..550dc2af2950cd72e57c6a6168dac8d9d70af9ad --- /dev/null +++ b/chunks/txt/d8c3038aaf08487f6afad0aced525570c07f8dae3d2e861a66aa5c91a0e46020.txt @@ -0,0 +1,96 @@ +2024 + +2025 + +2026 + +2027 + +UAD 3.6 TESTING + +INDUSTRY PREP + +Uniform Appraisal Dataset (UAD) 3.6 PRODUCTION + +LIMITED PRODUCTION + +BROAD PRODUCTION + +MANDATE + +RETIREMENT + +September 8, 2025 – January 25, 2026 + +January 26, 2026 – November 1, 2026 + +November 2, 2026 + +May 3, 2027 + +UAD 2.6 -> UAD 3.6 Transition Period + +UAD 2.6 Pipeline +Revisions + +Submit 2.6 Only + +Submit 2.6 Only + +Submit 2.6 and Limited Production +Participants* to Submit 3.6 + +Submit 2.6 or Submit 3.6 + +Submit 3.6 Only + +November 18, 2024 – +Redesigned Uniform +Residential Appraisal +Report (URAR) +industry training +available on GSE +websites + +June 4, 2025 – GSEs +publish policy updates + +September 8, 2025 – Fannie Mae and Freddie +Mac can accept both UAD 2.6 and 3.6 + +July 28, 2025 – ULDD +Mandate: Lenders +must deliver ULDD +Phase 5 data points +prior to using UAD 3.6 + +*Limited Production Participants - Lenders who +have submitted the UAD Questionnaire and +received GSE approval will have controlled +access to submit 3.6 to Uniform Collateral Data +Portal (UCDP) + +January 26, 2026 – All Lenders may begin +submitting to the GSEs’ production environment +without prior GSE approval + +November 2, 2026 – +Lenders must use UAD +3.6 for all new +submissions on or after +this date + +Revisions allowed for +previously submitted +UAD 2.6 appraisals + +2.6 Pipeline +Cleared + +May 3, 2027 – +UAD 2.6 Pipeline +revisions period +ends + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency. +©2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners. diff --git a/chunks/txt/d8c6c9da6b0d05c13abc5531a3b2b548882a3d3f1a5af12df07615b9e84eb58e.txt b/chunks/txt/d8c6c9da6b0d05c13abc5531a3b2b548882a3d3f1a5af12df07615b9e84eb58e.txt new file mode 100644 index 0000000000000000000000000000000000000000..69f11056428e5f56c89afc2f7939ccf040de31c4 --- /dev/null +++ b/chunks/txt/d8c6c9da6b0d05c13abc5531a3b2b548882a3d3f1a5af12df07615b9e84eb58e.txt @@ -0,0 +1,62 @@ +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership); 8=No Co-Borrower + +1=HOEPA: High-Cost Mortgage; 2=HOEPA: Not a High- +Cost Mortgage; 3=Not subject to HOEPA +1=Secured by first lien; 2=Secured by a subordinate +lien; 3=Not secured by a lien; 4=Not Applicable + +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A +N/A + +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later +Removed For 2019 Data and Later + +Rent4 +RentUT1 +RentUT2 +RentUT3 +RentUT4 +SpcHSGGoals +TractRat + +N/A +N/A +N/A +N/A +N/A +N/A +N/A + +N/A +N/A +N/A +N/A +N/A +N/A +N/A diff --git a/chunks/txt/d8cfe93c2e867534bf400dd77493ead1f83dd0837e58f0668a7907efeca5cd90.txt b/chunks/txt/d8cfe93c2e867534bf400dd77493ead1f83dd0837e58f0668a7907efeca5cd90.txt new file mode 100644 index 0000000000000000000000000000000000000000..aaea1da64b80346c758c73cd9b187e07a5726241 --- /dev/null +++ b/chunks/txt/d8cfe93c2e867534bf400dd77493ead1f83dd0837e58f0668a7907efeca5cd90.txt @@ -0,0 +1,145 @@ +A value of 'Y' indicates there is a washer/dryer. A value of 'N' indicates the box was +not checked. + +Boolean + +A value of 'N' indicates there is no car storage. A value of 'Y' indicates the box was not +checked. + +Boolean + +A value of 'Y' indicates that there is a garage. A value of 'N' indicates the box was not +checked. + +If field 2-72 (Car Storage Exists +Indicator = 'N') is indicated, then none +of fields 2-73, 2-74, 2-75 (Car Storage +Location Exists Indicator = 'Y' and +values of Car Storage Location Type) +should be indicated. If field 2-72 is not +indicated, then at least one of fields 2- +73, 2-74, 2-75 should be indicated. + +If field 2-72 (Car Storage Exists +Indicator = 'N') is indicated than none +of fields 2-73, 2-74, 2-75 (Car Storage +Location Exists Indicator = 'Y' and +values of Car Storage Location Type), 2- +77, 2-78 (values of Parking Space +Assignment Type), 2-76 (Parking +Spaces Count), 2-79 (Parking Spaces +Identifier) should be indicated. If field +2-72 is not indicated then at least one +of fields 2-73, 2-74, 2-75 (Car Storage +Location Exists Indicator = 'Y' and +values of Car Storage Location Type) +should be indicated. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 101 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H diff --git a/chunks/txt/d8e23fdd73b0d90984191ae77450c37bef88b9d0782578f784f0545afbb9e833.txt b/chunks/txt/d8e23fdd73b0d90984191ae77450c37bef88b9d0782578f784f0545afbb9e833.txt new file mode 100644 index 0000000000000000000000000000000000000000..8144ef0b2bfa85b33c6b7a9680fc30f267421d3a --- /dev/null +++ b/chunks/txt/d8e23fdd73b0d90984191ae77450c37bef88b9d0782578f784f0545afbb9e833.txt @@ -0,0 +1,22 @@ +15.0 N. Due from Seller at Closing - REMOVED .............................................................................................................................184 +16.0 Calculation (Seller’s Transaction) - REMOVED ......................................................................................................................185 +17.0 Loan Disclosures ......................................................................................................................................................................186 +17.1 Assumption ..........................................................................................................................................................................187 +17.2 Demand Feature..................................................................................................................................................................187 +17.3 Late Payment.......................................................................................................................................................................187 +17.4 Negative Amortization ........................................................................................................................................................187 +17.5 Partial Payments..................................................................................................................................................................187 +17.6 Security Interest ..................................................................................................................................................................187 +A. Mapping Guidance ..................................................................................................................................................................189 +B. For More Information .............................................................................................................................................................189 +18.0 Escrow Account - UPDATED ....................................................................................................................................................190 +18.1 Escrow Account Indicator ...................................................................................................................................................191 +18.2 – 18.5 Escrow Section .........................................................................................................................................................191 +1. Mapping Guidance ............................................................................................................................................................. 192 +18.6-18.7 No Escrow Account.....................................................................................................................................................193 +1. Mapping Guidance ............................................................................................................................................................. 195 +A. For More Information .............................................................................................................................................................195 +19.0 Adjustable Payment (AP) Table ..............................................................................................................................................196 +A. Loan Product and AP Table.....................................................................................................................................................197 +B. Loan Terms and AP Tables ......................................................................................................................................................197 +C. diff --git a/chunks/txt/d8ee3407f79fb9bbe517bf840fdc279210fcb11a9a1c91ff72d241562f118748.txt b/chunks/txt/d8ee3407f79fb9bbe517bf840fdc279210fcb11a9a1c91ff72d241562f118748.txt new file mode 100644 index 0000000000000000000000000000000000000000..ece86db48d0d2f7916179e07030cd32e207b9e52 --- /dev/null +++ b/chunks/txt/d8ee3407f79fb9bbe517bf840fdc279210fcb11a9a1c91ff72d241562f118748.txt @@ -0,0 +1,187 @@ +Either field 2-33 or, at least one of +fields 2-34, 2-35, 2-36, 2-37, 2-38, 2- +39, 2-40, 2-41 (Unit Charge Utility +Included In Assessment Indicator = 'Y' +and values of Unit Charge Utility Type) +should be indicated. + +If field 2-41 (Unit Charge Utility +Included In Assessment Indicator = 'Y' +and Unit Charge Utility Type = 'Other') +is indicated this field should be +populated. + +At least one of fields 2-47 (Cooling +Centralized Indicator = 'Y'), 2-48 +(Cooling Individual Indicator = 'Y'), 2- +49 (Cooling Other Indicator = 'Y') +should be indicated. If field 2-50 +(Cooling Unit Description) indicates +'None' then fields 2-47 and 2-48 should +not be indicated. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 99 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +250 + +2 + +48 + +UNIT +DESCRIPTION + +Cooling +Individual AC + +Cooling Individual +Indicator + +Indicates that the structure or unit has +individual cooling units. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_Individu +alIndicator + +251 + +2 + +49 + +UNIT +DESCRIPTION + +Cooling +Other + +Cooling Other +Indicator + +Indicates that the structure or unit has a +cooling configuration other than +Centralized or Individual. The details may +be found in Cooling Unit Description. diff --git a/chunks/txt/d8f2fc310655acf2667ab3620a018f79e81fb9474e79af7cb7c315446cace39a.txt b/chunks/txt/d8f2fc310655acf2667ab3620a018f79e81fb9474e79af7cb7c315446cace39a.txt new file mode 100644 index 0000000000000000000000000000000000000000..931120394471bd81fd464ced2ee98ff5ff86bfb5 --- /dev/null +++ b/chunks/txt/d8f2fc310655acf2667ab3620a018f79e81fb9474e79af7cb7c315446cace39a.txt @@ -0,0 +1,137 @@ +HDR-L + +TAB + +Sales Contract + +2 COLUMN PAGE FORMAT + +HDR-R + +CK1 + +CK1 + +Is there a sales contract? +Was sales contract information analyzed? +Does this appear to be an arm’s length transaction? + +Y/N + +Yes No +  +  +  + +TXR-B +TXR-B +TXR-B +TXR-B + +Contract Price +Contract Date +Transfer Terms +Personal Property Conveyed + +TXC-B1 + +Non-Arm’s Length Commentary + +TXC-I1 + +Personal property is not included in the appraiser’s final opinion of value + +H1 + +Financial Sales Concessions + +Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property + +H1-TX + +TXR-B +TXR-B +TXR-I + +Known Sales Concessions +Total Sales Concessions + +Typical for Market + +H1 +TXC + +H1 + +Sales Contract Analysis + +Sales Contract Exhibits + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L + +TAB + +Prior Sale and Transfer History + +H1 + +Subject Transfer History + +2 COLUMN PAGE FORMAT + +HDR-R + +TXC-I +TXR-B +TXR-I + +TCH +TB + +TXC-B + +H1 + +TXC-I +TCH +TB + +TXC-B + +H1 + +Prior sales and/or transfers of the subject property (minimum 3 year look back) +Prior Sales or Transfers + +Data Source + +Transfer Terms + +Date + +Amount + +Data Source + +Analysis of Prior Sale and Transfer History of Subject Property + +Comparable Transfer History + +Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back) +# + +Transfer Terms + +Data Source + +Amount + +Date + +Analysis of Prior Sale and Transfer History of Comparable Sales diff --git a/chunks/txt/d8f3c03bcbcc3885afbaef126c5e2669ba16b82a305ea7388f4798e121e83243.txt b/chunks/txt/d8f3c03bcbcc3885afbaef126c5e2669ba16b82a305ea7388f4798e121e83243.txt new file mode 100644 index 0000000000000000000000000000000000000000..7f71fe09127bcd91c39e57607eaac85d6716e2bc --- /dev/null +++ b/chunks/txt/d8f3c03bcbcc3885afbaef126c5e2669ba16b82a305ea7388f4798e121e83243.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/enterprise-multifamily-businesses" +date_accessed: "2026-01-27T17:48:03.533Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/d9111e0515f8aefc70ce1d1a2ea4399703479edec9fb1f9fcda0e4b5cfd0c658.txt b/chunks/txt/d9111e0515f8aefc70ce1d1a2ea4399703479edec9fb1f9fcda0e4b5cfd0c658.txt new file mode 100644 index 0000000000000000000000000000000000000000..9c99bc629efdd0733e7abaeb600cf6ca8ba177e0 --- /dev/null +++ b/chunks/txt/d9111e0515f8aefc70ce1d1a2ea4399703479edec9fb1f9fcda0e4b5cfd0c658.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/27551","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/d919516e7baf9ab19198bf976db019a72aa9e8c9bce1c1da76690a6420af81af.txt b/chunks/txt/d919516e7baf9ab19198bf976db019a72aa9e8c9bce1c1da76690a6420af81af.txt new file mode 100644 index 0000000000000000000000000000000000000000..5b08e39dcfb30a3b9137363e85761e672d172f73 --- /dev/null +++ b/chunks/txt/d919516e7baf9ab19198bf976db019a72aa9e8c9bce1c1da76690a6420af81af.txt @@ -0,0 +1,41 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Career Opportunities + +## Breadcrumb + +- [Home](/) + - [​FHFA AT-A-GLANCE](/about) + - Career Opportunities + +FHFA is a key player in the current and future U.S. housing market as the safety and soundness regulator of the Federal Home Loan Bank System and regulator and conservator of Fannie Mae and Freddie Mac. + +At FHFA every employee plays a vital role in meeting our mission and we depend on them to aspire to excel in every aspect of their work; have the highest ethical and professional standards; respect each other, information and resources; and promote respect in our employment and business practices. diff --git a/chunks/txt/d91f4d2ca6caf2d477f9638ddfc0512545f0fa87a7451a19d331e9809d6813b6.txt b/chunks/txt/d91f4d2ca6caf2d477f9638ddfc0512545f0fa87a7451a19d331e9809d6813b6.txt new file mode 100644 index 0000000000000000000000000000000000000000..2ec5ccaca4105531edae24c835e4424e10eaedf3 --- /dev/null +++ b/chunks/txt/d91f4d2ca6caf2d477f9638ddfc0512545f0fa87a7451a19d331e9809d6813b6.txt @@ -0,0 +1,150 @@ +S +U +B +J +E +C +T + +C +O +N +T +R +A +C +T + +N +E +I +G +H +B +O +R +H +O +O +D + +P +R +O +J +E +C +T + +S +I +T +E + +P +R +O +J +E +C +T + +I +N +F +O +R +M +A +T +I +O +N + +Unit # +City +Owner of Public Record + +Individual Condominium Unit Appraisal Report (Desktop) +The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property. +Property Address +Borrower +Legal Description +Assessor’s Parcel # +Project Name +Occupant +Property Rights Appraised +Assignment Type +Lender/Client +Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? +Report data source(s) used, offering price(s), and date(s). + +Phase # +Special Assessments $ + +Tax Year +Map Reference + +R.E. Taxes $ +Census Tract + +Purchase Transaction + +Refinance Transaction + +State +County + +HOA $ + +Other (describe) + +Other (describe) + +Fee Simple + +Leasehold + +per year + +Zip Code + +Tenant + +Owner + +Address + +Vacant + +Yes + +File # + +No + +per month + +I + did +performed. + +did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not + +Contract Price $ +Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? +If Yes, report the total dollar amount and describe the items to be paid. + +Is the property seller the owner of public record? + +No Data Source(s) + +Date of Contract + +Yes + +Yes + +No + +Note: Race and the racial composition of the neighborhood are not appraisal factors. diff --git a/chunks/txt/d920b73bad9a2333ed567b49e0fc292f66f210b8a1c2f6be9686811db0c6a1d3.txt b/chunks/txt/d920b73bad9a2333ed567b49e0fc292f66f210b8a1c2f6be9686811db0c6a1d3.txt new file mode 100644 index 0000000000000000000000000000000000000000..5765af8fa79789d86bc4a94af07d28a0d4c346a8 --- /dev/null +++ b/chunks/txt/d920b73bad9a2333ed567b49e0fc292f66f210b8a1c2f6be9686811db0c6a1d3.txt @@ -0,0 +1,32 @@ +DU for Government Loans Integration Impact Memo +April 2023 Release Update + +Feb. 22, 2023 + Updated Mar. 9, 2023 + +During the weekend of April 15, 2023, Desktop Underwriter® (DU®) for government loans will be updated with the +changes specified below. These changes will apply to all loan casefiles submitted or resubmitted on or after the +weekend of April 15, 2023. Read the release notes to ensure that your integrated system(s) will be prepared to +support this release. + +N O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.” + +The release scheduled for the weekend of March 18 will no longer take place and instead will be implemented +during the weekend of April 15. This integration impact memo has been updated to reflect the new release date. + +Changing the Conditionality for the FHA Positive Rental History Indicator + +For all cases with an FHA Case Assignment date on or after March 25, 2023, or for cases submitted or resubmitted +without an FHA case number on or after that same date, the FHA TOTAL Scorecard will generate an error if a value for +the Positive Rental History indicator is not provided. For cases where Positive Rental History does not apply, including +refinances, lenders should provide a value of “false.” Refinances submitted with any value other than “false” will also +generate an error message from FHA. This change will be reflected in the next DU Specification (“DU Spec”) update. + +How will this affect my integrated system(s) and User Interface? + +Integrated System(s) + +When sending the MISMO v3.4 data point ULAD:PositiveRentalHistoryIndicator with a “true” enumeration on an FHA +Purchase loan casefile with a positive rental history, DU will issue message ID 2476 to indicate Positive Rental History +on the loan application. Verify and document the Positive Rental History according to the FHA Single Family Housing +Policy Handbook 4000.1. diff --git a/chunks/txt/d928eb90ff768786c1e798688d0f36c17eace445b05bbc4b613e9c4a533ef8ee.txt b/chunks/txt/d928eb90ff768786c1e798688d0f36c17eace445b05bbc4b613e9c4a533ef8ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..6b3677baff9f4bce26b550f7ea7293f8cf258083 --- /dev/null +++ b/chunks/txt/d928eb90ff768786c1e798688d0f36c17eace445b05bbc4b613e9c4a533ef8ee.txt @@ -0,0 +1,49 @@ +Figure 22 - 6 + +Page 281 + +• The Comparable # and property address repeat at the top of each page with the row header Property Address. (Figure 22 - 7) + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 22 - 7 + +Page 282 + +• An image of the property displays just below property addresses in General Information. +• Row Headers (Data Source, Proximity to Subject, List Price, etc.) are to remain in the order that they appear in the “Supplement – + +Approaches to Value Grids” spreadsheet. + +General Information + +The General Information subsection always displays in the Sales Comparison Approach. A thumbnail photo of the subject and each +comparable displays under the address. + +General Information is the first of six subsections that has adjustments at the row level. + +There are 21 defined rows in this subsection. + +➢ +➢ +➢ +➢ + +11 rows are required (Always) +1 row is conditionally required (If Applicable) +9 rows may be provided (If Relevant) +Additional rows may be added to this section + +Appendix B-1: URAR Implementation Guide v1.3 + +Project Information + +The Project Information subsection displays when the subject or any comparable property is in a project (condominium, coop, or condop) - +PropertyInProjectIndicator (UID: 0100.0065, FID: 3.011) = "true". Project Information is a unique subsection in that it may also be provided if +relevant, such as for PUDs when there are significant monthly fees, common amenities, and services, and/or special assessments. + +Project Information is the first of four subsections that has an overall adjustment at the subsection header level. + +Page 283 + +There are 4 defined rows in this subsection. diff --git a/chunks/txt/d930c71c71338e97394c3a4c627f70ebb77e01d84b5c45c8f90254f32eb225b0.txt b/chunks/txt/d930c71c71338e97394c3a4c627f70ebb77e01d84b5c45c8f90254f32eb225b0.txt new file mode 100644 index 0000000000000000000000000000000000000000..a9457e89b62101bdf7bb0215e7710a1e73ac18d9 --- /dev/null +++ b/chunks/txt/d930c71c71338e97394c3a4c627f70ebb77e01d84b5c45c8f90254f32eb225b0.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/foia-annual-report" +date_accessed: "2026-01-27T17:54:20.680Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/d941e0146e6c36bf51b467049c98deacdb1bdff61b34346539d9b1937738b0ad.txt b/chunks/txt/d941e0146e6c36bf51b467049c98deacdb1bdff61b34346539d9b1937738b0ad.txt new file mode 100644 index 0000000000000000000000000000000000000000..9106a870805edb8d913faf0517823c8fa69887c0 --- /dev/null +++ b/chunks/txt/d941e0146e6c36bf51b467049c98deacdb1bdff61b34346539d9b1937738b0ad.txt @@ -0,0 +1,52 @@ +"10180" "Abilene, TX Metro Area" +"10380" "Aguadilla, PR Metro Area" +"10420" "Akron, OH Metro Area" +"10500" "Albany, GA Metro Area" +"10540" "Albany, OR Metro Area" +"10580" "Albany-Schenectady-Troy, NY Metro Area" +"10740" "Albuquerque, NM Metro Area" +"10780" "Alexandria, LA Metro Area" +"10900" "Allentown-Bethlehem-Easton, PA-NJ Metro Area" +"11020" "Altoona, PA Metro Area" +"11100" "Amarillo, TX Metro Area" +"11180" "Ames, IA Metro Area" +"11200" "Amherst Town-Northampton, MA Metro Area" +"11260" "Anchorage, AK Metro Area" +"11460" "Ann Arbor, MI Metro Area" +"11500" "Anniston-Oxford, AL Metro Area" +"11540" "Appleton, WI Metro Area" +"11640" "Arecibo, PR Metro Area" +"11700" "Asheville, NC Metro Area" +"12020" "Athens-Clarke County, GA Metro Area" +"12060" "Atlanta-Sandy Springs-Roswell, GA Metro Area" +"12100" "Atlantic City-Hammonton, NJ Metro Area" +"12220" "Auburn-Opelika, AL Metro Area" +"12260" "Augusta-Richmond County, GA-SC Metro Area" +"12420" "Austin-Round Rock-San Marcos, TX Metro Area" +"12540" "Bakersfield-Delano, CA Metro Area" +"12580" "Baltimore-Columbia-Towson, MD Metro Area" +"12620" "Bangor, ME Metro Area" +"12700" "Barnstable Town, MA Metro Area" +"12940" "Baton Rouge, LA Metro Area" +"12980" "Battle Creek, MI Metro Area" +"13020" "Bay City, MI Metro Area" +"13140" "Beaumont-Port Arthur, TX Metro Area" +"13220" "Beckley, WV Metro Area" +"13380" "Bellingham, WA Metro Area" +"13460" "Bend, OR Metro Area" +"13740" "Billings, MT Metro Area" +"13780" "Binghamton, NY Metro Area" +"13820" "Birmingham, AL Metro Area" +"13900" "Bismarck, ND Metro Area" +"13980" "Blacksburg-Christiansburg-Radford, VA Metro Area" +"14010" "Bloomington, IL Metro Area" +"14020" "Bloomington, IN Metro Area" +"14260" "Boise City, ID Metro Area" +"14460" "Boston-Cambridge-Newton, MA-NH Metro Area" +"14500" "Boulder, CO Metro Area" +"14540" "Bowling Green, KY Metro Area" +"14580" "Bozeman, MT Metro Area" +"14740" "Bremerton-Silverdale-Port Orchard, WA Metro Area" +"14860" "Bridgeport-Stamford-Danbury, CT Metro Area" +"15180" "Brownsville-Harlingen, TX Metro Area" +"15260" "Brunswick-St. diff --git a/chunks/txt/d94762a9aa8cd4516388e5b5e16014a32f1161e399357e4f6636856faf2b2c47.txt b/chunks/txt/d94762a9aa8cd4516388e5b5e16014a32f1161e399357e4f6636856faf2b2c47.txt new file mode 100644 index 0000000000000000000000000000000000000000..8765ba9394d9dc7dc1f7f9644c73c8f4bcb28397 --- /dev/null +++ b/chunks/txt/d94762a9aa8cd4516388e5b5e16014a32f1161e399357e4f6636856faf2b2c47.txt @@ -0,0 +1,3 @@ +Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + +[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/246&order=field_release_date&sort=asc) Report Attachment September 07, 2023 [2019 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2019) [Read Report](/media/52126) September 07, 2023 [2020 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2020) [Read Report](/media/52131) September 07, 2023 [2021 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2021) [Read Report](/media/52136) September 07, 2023 [2018 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2018) [Read Report](/document/2018-fhfa-fair-act-inventory) March 07, 2019 [2017 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2017) [Read Report](/document/2017-fhfa-fair-act-inventory) June 27, 2016 [2016 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2016) [Read Report](/media/29871) June 23, 2015 [2015 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2015) [Read Report](/media/29866) June 25, 2014 [2014 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2014) [Read Report](/media/29861) June 26, 2013 [2013 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2013) [Read Report](/media/25416) June 12, 2012 [2012 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2012) [Read Report](/media/25411) June 23, 2011 [2011 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2011) [Read Report](/document/2011-fhfa-fair-act-inventory) June 30, 2010 [2010 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2010) [Read Report](/media/25421) June 30, 2009 [2009 FHFA FAIR Act Inventory](/reports/fair-act-inventory/2009) [Read Report](/media/25426) diff --git a/chunks/txt/d94f5f39874ba5b0e64da117577e4057712fe382cf37124fd61a2e3d5b805c66.txt b/chunks/txt/d94f5f39874ba5b0e64da117577e4057712fe382cf37124fd61a2e3d5b805c66.txt new file mode 100644 index 0000000000000000000000000000000000000000..58d9278d013983565d9fc4bc3382cbaa90879f60 --- /dev/null +++ b/chunks/txt/d94f5f39874ba5b0e64da117577e4057712fe382cf37124fd61a2e3d5b805c66.txt @@ -0,0 +1 @@ +Try again ![⚠️](https://abs-0.twimg.com/emoji/v2/svg/26a0.svg)Some privacy related extensions may cause issues on x.com. Please disable them and try again. diff --git a/chunks/txt/d950adcbbca14c30419b6edd3bb5392cea16a8a2548dbf53e36e36fcb44986d6.txt b/chunks/txt/d950adcbbca14c30419b6edd3bb5392cea16a8a2548dbf53e36e36fcb44986d6.txt new file mode 100644 index 0000000000000000000000000000000000000000..8296ac4a32f1fc7e4a4aebdbbba55a7fca45a871 --- /dev/null +++ b/chunks/txt/d950adcbbca14c30419b6edd3bb5392cea16a8a2548dbf53e36e36fcb44986d6.txt @@ -0,0 +1,104 @@ +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Numeric, whole years only. Zero (0) is a valid value. + +String + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field indicates the overall condition of the property. + +425 + +3 + +85 + +SALES +COMPARISON +APPROACH + +Condition + +GSE Overall +Condition Type + +The overall condition rating of the +property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEOverallConditionType + +2 + +Enumerated + +Allowable Values + C1 + C2 + C3 + C4 + C5 + C6 + +426 + +3 + +86 + +SALES +COMPARISON +APPROACH + +Condition Adjustment + +Sale Price +Adjustment +Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘Condition’]/@_Amount + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +427 + +3 + +87 + +SALES +COMPARISON +APPROACH + +Above Grade Room Count +Adjustment diff --git a/chunks/txt/d9531dfc1dd6599113ca3634d5b8662236fa9b06b4dbbe917492c50c5c52ea23.txt b/chunks/txt/d9531dfc1dd6599113ca3634d5b8662236fa9b06b4dbbe917492c50c5c52ea23.txt new file mode 100644 index 0000000000000000000000000000000000000000..3d20605191c6b91854b848ee11ebad7c055b3037 --- /dev/null +++ b/chunks/txt/d9531dfc1dd6599113ca3634d5b8662236fa9b06b4dbbe917492c50c5c52ea23.txt @@ -0,0 +1,241 @@ +VehicleStorage + +-5000 + +Outbuilding + +777020 + +North + +Most + +false + +198 + +3 + +0.40 + +7020 + +false + +false + +Dwelling + +1978 + +false + +Carpets, Tile, Hardwood + +Flooring + +ModeratelyUpdated + +Standard 8-9 Ft. Ceilings + +WallsAndCeiling + +428 + +3256 + +1200 + +false + +3 + +2 + +1 + +C4 + +Q4 + +Mid Grade Finishes + +ModeratelyUpdated + +Comp 3 Primary + +Mid Grade Quality + +Kitchen + +PartiallyUpdated + +Colonial + +Aluminum + +ExteriorWallsAndTrim + +true + +Composition + +Roof + +C3 + +Q4 + +1 + +ForcedWarmAir + +false + +Outbuilding + +true + +Other + +ADUGarage + +625 + +0 + +true + +1 + +1 + +0 + +C4 + +Q4 + +Comp 3 ADU + +1 + +Outbuilding + +true + +PoolHouse + +Electricity + +0 + +216 + +PropertyPhoto + +\\Images\SF4_Comp3.png + +image/png + +94 + +789000 + +SettledSale + +25.164176 + +-51.328128 + +Deck + +Patio + +OutdoorLiving + +IngroundPool + +Other + +Diving Board + +WaterFeatures + +1 + +Detached + +1 + +true + +1 + +C4 + +Q4 + +true + +Leasehold + +false + +false + +1000 + +false + +true + +2019-04-01 + +2019-08-01 + +770000 + +Sale + +NotDisclosed + +2015-04-05 + +Sale + +Other + +NonMLSSale + +None + +Concrete + +Local + +false + +14500 + +Full + +Residential + +AD43201 + +Client + +Nowhere432159 + +ValuationSoftwareVendor + +ABC123 + +ManagementCompany + +NotNecessaryForCredibleResults + +NotNecessaryForCredibleResults + +The subject and comparables are located within a suburban market area that is within 40 miles commuting distance to the Northern Virginia and Washington, DC metropolitan business and government centers. Sales of properties with accessory dwelling units, while not uncommon, can be difficult to identify as the units are often not advertised as separate living areas. Comparables #2 and #3 are given greatest consideration as they are the most proximate, contain accessory dwelling units and are most similar in age, quality, and condition to the subject. The subject and all comparables are located within the "Unreal Farms" neighborhood and are leasehold properties. diff --git a/chunks/txt/d9655e00c9f1978601b0abecc9f14d9acab2ebc3c5f4c7ba15585f173f7888b8.txt b/chunks/txt/d9655e00c9f1978601b0abecc9f14d9acab2ebc3c5f4c7ba15585f173f7888b8.txt new file mode 100644 index 0000000000000000000000000000000000000000..d77b1816338b17b3951eef071745371d504bdc4e --- /dev/null +++ b/chunks/txt/d9655e00c9f1978601b0abecc9f14d9acab2ebc3c5f4c7ba15585f173f7888b8.txt @@ -0,0 +1,27 @@ +Additionally, older comparable sales that are the best indicator of value for the subject property can be used if appropriate. For +example, if the subject property is located in a rural area that has minimal sales activity, the appraiser may not be able to locate +three truly comparable sales that sold in the last 12 months. In this case, the appraiser may use older comparable sales if they +explain why they are being used. + +Additional Requirements for New (or Recently Converted) Condos, Subdivisions, or PUDS + +If the subject property is located in a new (or recently converted) condo project, subdivision, or PUD, it must be compared to +other properties in the same market area and to properties within the subject condo project, subdivision, or PUD. This +comparison should help demonstrate market acceptance of new developments and the properties within them. Generally, a +subdivision is considered new when there are limited or no resales or the builder or developer is involved in the marketing or sale +of the properties. See SB4-2.1-01, General Information on Project Standards and Selling Guide B4-2.3-01, Eligibility Requirements +for Units in PUD Projects for the definition of a new condo project or PUD. + +At a minimum, the appraisal report for these properties must include the following: + +• At least one settled comparable sale from the subject condo project, subdivision, or PUD. (A resale is preferable if it is + +verifiable and does not involve the subject builder or developer). + +• At least one settled comparable sale from outside the subject condo project, subdivision, or PUD. +• A third settled comparable sale can be from inside or outside of the subject condo project, subdivision, or PUD. Settled +comparable sales or resales from within the subject condo project, subdivision, or PUD are preferable to settled sales +from outside the condo project, subdivision, or PUD provided the builder or developer of the subject property is not +involved in those transactions. +In the event there are no settled comparable sales inside a new condo project, subdivision, or PUD because the subject +property transaction is one of the first units to sell, the appraiser may use two pending sales in the subject project, diff --git a/chunks/txt/d97f82dc1ef7fb3538c2b30374386565383d515cae565ca81544eeed1292d571.txt b/chunks/txt/d97f82dc1ef7fb3538c2b30374386565383d515cae565ca81544eeed1292d571.txt new file mode 100644 index 0000000000000000000000000000000000000000..6fc16057262031262c7b4d72bc941cbfa1c425f1 --- /dev/null +++ b/chunks/txt/d97f82dc1ef7fb3538c2b30374386565383d515cae565ca81544eeed1292d571.txt @@ -0,0 +1,189 @@ +image/png + +BelowGradeOne + +Half bath newer than rest of house. + +TypicalWearAndTear + +Ceramic flooring. + +HalfBathroom + +FiveToTenYears + +FullyUpdated + +\\Images\SF1_MediaRoom.png + +image/png + +BelowGradeOne + +MediaRoom + +\\Images\SF1_RecreationRoom.png + +image/png + +BelowGradeOne + +RecreationRoom + +\\Images\SF1_WetBar.png + +image/png + +BelowGradeOne + +Other + +Wet Bar + +LevelOne + +Bedroom + +LevelOne + +DiningRoom + +\\Images\SF1_FamilyRoom.png + +image/png + +LevelOne + +FamilyRoom + +Bath 3 + +\\Images\SF1_FullBath3.png + +image/png + +LevelOne + +TypicalWearAndTear + +Ceramic flooring. + +FullBathroom + +NotUpdated + +\\Images\SF1_Kitchen.png + +image/png + +LevelOne + +TypicalWearAndTear + +Corian Countertops, Double Oven, Hardwood floors. + +Kitchen + +NotUpdated + +LevelOne + +Other + +Office + +LevelTwo + +Bedroom + +LevelTwo + +Bedroom + +LevelTwo + +Bedroom + +LevelTwo + +Bedroom + +Bath 1 + +\\Images\SF1_FullBath1.png + +image/png + +LevelTwo + +TypicalWearAndTear + +Double Sink with separate shower and extra-large tub, ceramic flooring. + +FullBathroom + +NotUpdated + +Bath 2 + +\\Images\SF1_FullBath2.png + +image/png + +LevelTwo + +TypicalWearAndTear + +Ceramic flooring. + +FullBathroom + +NotUpdated + +LevelTwo + +LaundryRoom + +Colonial + +SiteBuilt + +Vinyl + +Minor cracks to vinyl typical for age. + +TypicalWearAndTear + +ExteriorWallsAndTrim + +PouredConcrete + +Basement + +TypicalWearAndTear + +Foundation + +TenToTwentyYears + +true + +Composition + +Reported condition is subject to repair; see defects table and commentary below. + +TypicalWearAndTear + +Roof + +Windows same age as house. + +TypicalWearAndTear + +Double Thermal Pane contributes to Energy Efficiency. + +Windows + +Vinyl Double Hung - Thermal Pane + +C4 diff --git a/chunks/txt/d989a01bbb63db2c9a966e35fb963a3928ed41f86aeefa2bbb3794f1746736b5.txt b/chunks/txt/d989a01bbb63db2c9a966e35fb963a3928ed41f86aeefa2bbb3794f1746736b5.txt new file mode 100644 index 0000000000000000000000000000000000000000..577ba0ec4d8d6ada4c03107dcb1287c9679b034b --- /dev/null +++ b/chunks/txt/d989a01bbb63db2c9a966e35fb963a3928ed41f86aeefa2bbb3794f1746736b5.txt @@ -0,0 +1,32 @@ +If LanguageCode is absent and ULAD:LanguageRefusalIndicator is “true”, DU will consume the indicator. + +If both LanguageCode and ULAD:LanguageRefusalIndicator are absent, nothing will be consumed by DU. + +19. How should Preferred Language with “Other” be reflected in the loan application submission + +file? + +When a Borrower selects “Other” as the Preferred Language and enters in the other language on the +Supplemental Consumer Information Form, in the loan application submission file the LanguageCode +(UID 1.0181), is reflected as “zxx”, and the value entered is provided in the data point +ULAD:LanguageCodeOtherDescription (UID 1.0182) + +20. There are no values listed for InvestorProductPlanIdentifier (Unique ID 13.0053) in the DU Spec. + +Where is the information listed for those values? + +This link has been added to the DU Spec in the Implementation Notes of +InvestorProductPlanIdentifier. It directs users to the details of the ARM Plan each value represents. + +21. What Freddie Mac-specific data points and enumerations are allowed/not allowed to be included + +in a DU Loan Application Submission file sent to Fannie Mae? + +Fannie Mae will allow the inclusion of any valid MISMO v3.4 data points that Freddie Mac uses on +the Loan Application Submission file even if they are not included in the DU Spec. + +Fannie Mae will IGNORE the inclusion of any data points that Freddie Mac has added to its file using +EXTENSION containers with Freddie Mac’s namespace (lpa:). + +Even if an enumeration used by Freddie Mac is valid in MISMO v3.4, Fannie Mae will NOT accept +enumerations that are not listed in the DU Spec. diff --git a/chunks/txt/d98a2c7bf40f458477a90e6d8e1502014b6635e82fb7e8a611a47f89d8e421ec.txt b/chunks/txt/d98a2c7bf40f458477a90e6d8e1502014b6635e82fb7e8a611a47f89d8e421ec.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad87dae024aebf3312037af9d78707060313f20f --- /dev/null +++ b/chunks/txt/d98a2c7bf40f458477a90e6d8e1502014b6635e82fb7e8a611a47f89d8e421ec.txt @@ -0,0 +1,9 @@ +4.(cid:20)(cid:20)(cid:27)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:20)(cid:20)(cid:27)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3) + +4.(cid:20)(cid:20)(cid:28)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:20)(cid:20)(cid:28)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3) + +4.0(cid:20)(cid:26)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:20)(cid:26)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3) + +4.0(cid:21)(cid:19)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:21)(cid:19)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3) + +4.0(cid:21)(cid:24)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:21)(cid:24)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3) diff --git a/chunks/txt/d98c8deacb019fb559b7db496eb85efe837a06cd6e5a80906e534b9e870be15e.txt b/chunks/txt/d98c8deacb019fb559b7db496eb85efe837a06cd6e5a80906e534b9e870be15e.txt new file mode 100644 index 0000000000000000000000000000000000000000..434ff121dcbb58ac2b91118d4d1405d45d7a772d --- /dev/null +++ b/chunks/txt/d98c8deacb019fb559b7db496eb85efe837a06cd6e5a80906e534b9e870be15e.txt @@ -0,0 +1,16 @@ +5. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless +specific arrangements to do so have been made beforehand, or as otherwise required by law. + +6. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of +hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of +during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no +knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, +needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that +would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, +express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental +hazards, this appraisal report must not be considered as an environmental assessment of the property. + +7. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory +completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be +performed in a professional manner. diff --git a/chunks/txt/d995131491e87670ab1b8cb5ad3f170ef315518ba040f64936d9a8accfec605b.txt b/chunks/txt/d995131491e87670ab1b8cb5ad3f170ef315518ba040f64936d9a8accfec605b.txt new file mode 100644 index 0000000000000000000000000000000000000000..e903688f17c4b5c8c74394789e50f0f99fc528b5 --- /dev/null +++ b/chunks/txt/d995131491e87670ab1b8cb5ad3f170ef315518ba040f64936d9a8accfec605b.txt @@ -0,0 +1,27 @@ +--- + +[1] Learn more and download FEMA’s NRI [here](https://hazards.fema.gov/nri/learn-more). + +[2] Learn more about FHFA’s Duty to Serve high-needs rural areas designations and the FHFA Duty to Serve data [here](https://www.fhfa.gov/data/duty-to-serve/eligibility-data). + +[3] See NOAA website [here](https://www.nhc.noaa.gov/climo/#:~:text=The%20official%20hurricane%20season%20for,%2DAugust%20and%20mid%2DOctober.) + +[4] See NOAA article on 2024 Hurricane Season [here](https://www.noaa.gov/news-release/noaa-predicts-above-normal-2024-atlantic-hurricane-season). + +[5] See page 196 of the NRI’s technical documentation [here](https://www.fema.gov/sites/default/files/documents/fema_national-risk-index_technical-documentation.pdf) for more details. + +[6] See page 206 of the same document in footnote 6. + +[7] See page 210 of the same document in footnote 6. + +[8] The data in the dashboard represent the complete merged dataset. Some census tracts in the PUDB are not represented in the NRI, thus estimates of acquisitions and UPB will be slight underestimates. + +[9] See National Hurricane Center report on Hurricane Beryl’s landing [here](https://www.nhc.noaa.gov/archive/2024/al02/al022024.public.039.shtml?). + +[10] This estimate was calculated using the “Acquisition” tab in the dashboard and selecting Texas from the state drop down menu. + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* diff --git a/chunks/txt/d9a85aef3710bd221a234c3f42b953a3b32d72aaeb5483de1d110a662a217031.txt b/chunks/txt/d9a85aef3710bd221a234c3f42b953a3b32d72aaeb5483de1d110a662a217031.txt new file mode 100644 index 0000000000000000000000000000000000000000..d5f6392b1ff47bf06c6ac2ffa25d1807f768e319 --- /dev/null +++ b/chunks/txt/d9a85aef3710bd221a234c3f42b953a3b32d72aaeb5483de1d110a662a217031.txt @@ -0,0 +1,140 @@ +16 + +SUBJECT + +R.E. Taxes $ + +GSE Property Tax +Total Tax Amount + +The total of all of the property's real +estate taxes for this year excluding +any special assessments, across all +tax jurisdictions and authorities. This +is the amount assessed for the tax +year, not the amount paid. + +SUBJECT + +Neighborhood Name + +Neighborhood Name The name of the neighborhood. + +Map Reference +Identifier + +Census Tract +Identifier + +A reference to a regionally specific +map document that assists in locating +a property. May refer to locally +available published map products +(e.g. Thomas Map in CA) or a county +tax map. +Identifies census tract as defined by +the U.S. Census Bureau where +subject property is located. + +17 + +18 + +19 + +20 + +21 + +22 + +1 + +1 + +1 + +1 + +1 + +1 + +17 + +18 + +19 + +20 + +21 + +SUBJECT + +Map Reference + +SUBJECT + +Census Tract + +SUBJECT + +SUBJECT + +Occupant +Owner + +Occupant +Tenant + +/VALUATION_RESPONSE/PROPERTY/_TA +X/PROPERTY_TAX_EXTENSION/PROPERT +Y_TAX_EXTENSION_SECTION[@Extension +SectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/PROPERTY_TAX_EXTENSION_ +SECTION_DATA/PROPERTY_TAX_AMOU +NT/@GSEPropertyTaxTotalTaxAmount +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD/@_Name + +/VALUATION_RESPONSE/PROPERTY/_IDE +NTIFICATION/@MapReferenceIdentifier + +/VALUATION_RESPONSE/PROPERTY/_IDE +NTIFICATION/@CensusTractIdentifier + +10 + +Money + +UAD Instruction - Refer to Appendix D Subject Section +Whole dollars only. + +String + +UAD Instruction - Refer to Appendix D Subject Section + +String + +String + +60 + +30 + +25 + +15 + +15 + +Property Current +Occupancy Type + +Specifies the property occupancy +status of a subject property. + +/VALUATION_RESPONSE/PROPERTY +[@_CurrentOccupancyType='OwnerOccupied'] diff --git a/chunks/txt/d9bc92db2945da9f8a8dc874b9159cfc2d17ee912ad65650ea2451271dc60ea4.txt b/chunks/txt/d9bc92db2945da9f8a8dc874b9159cfc2d17ee912ad65650ea2451271dc60ea4.txt new file mode 100644 index 0000000000000000000000000000000000000000..a849b77bc7c1db5ca7c52f02d8413f16032b635e --- /dev/null +++ b/chunks/txt/d9bc92db2945da9f8a8dc874b9159cfc2d17ee912ad65650ea2451271dc60ea4.txt @@ -0,0 +1 @@ +Glossary of Frequently used terms Definition **Goal-Eligible Purchase Loans** Goal-eligible purchase loans are home purchase mortgages on owner-occupied housing with one to four units. They are conventional, conforming mortgages, defined as mortgages that are not insured or guaranteed by the Federal Housing Administration or another government agency and with principal balances that do not exceed the conforming loan limits for Enterprise mortgages. **Low-Income Purchase (LIP) Loans** Low-income purchase loans are the subset of goal-eligible purchase loans acquired by the Enterprises where borrowers had incomes no greater than 80 percent of the area median income. **Very Low-Income Purchase (VLIP) Loans** Very low-income purchase loans are the subset of goal-eligible home purchase mortgages acquired by the Enterprises where borrowers had incomes no greater than 50 percent of the area median income. **Low-Income Areas Subgoal (LIAS) Loans** Low-income areas subgoal loans are the subset of goal-eligible purchase loans made to two subgroups: a) families living in low-income census tracts; and b) families with incomes no greater that 100 percent of area median income living in minority census tracts. This subgoal was replaced by the low-income census tracts subgoal and the minority census tracts subgoal starting in 2022. **Minority Census Tracts Subgoal (MCT) Loans** Minority census tracts subgoal loans are the subset of goal-eligible purchase loans made to families with incomes no greater that 100 percent of area median income living in minority census tracts. This subgoal became effective in 2022. **Low-Income Census Tracts Subgoal (LCT)** **Loans** Low-income census tracts subgoal loans are the subset of goal-eligible purchase loans made to two subgroups: a) families living in low-income census tracts that are not minority census tracts; and b) families with incomes greater that 100 percent of area median income living in low-income census tracts that are also minority census tracts. This subgoal became effective in 2022. **Goal-Eligible Refinance Loans** Goal-eligible refinance loans are refinance mortgages on owner-occupied housing with one to four units. They are conventional, conforming mortgages, defined as mortgages that are not insured or guaranteed by the Federal Housing Administration or another government agency and with principal balances that do not exceed the conforming loan limits for Enterprise mortgages. **Low-Income Refinance (LIR) Loans** Low-income refinance loans are the subset of goal-eligible refinance loans acquired by the Enterprises where borrowers had incomes no greater than 80 percent of the area median income. **Minority Census Tracts** Census tracts that have a minority population of at least 30 percent and a median income of less than 100 percent of area median income. **Low-Income Census Tracts** Census tracts where the median income is no greater than 80 percent of area median income. **Minority** Minority means any individual who is included within any one or more of the following racial and ethnic categories: diff --git a/chunks/txt/d9bf25c37df638bd31db1ac4b74efb8d7fe4645d7a1643499d08ab07973422c8.txt b/chunks/txt/d9bf25c37df638bd31db1ac4b74efb8d7fe4645d7a1643499d08ab07973422c8.txt new file mode 100644 index 0000000000000000000000000000000000000000..f5f343153dea5e11ab0b223e6c2f30e2517900c7 --- /dev/null +++ b/chunks/txt/d9bf25c37df638bd31db1ac4b74efb8d7fe4645d7a1643499d08ab07973422c8.txt @@ -0,0 +1,29 @@ +19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. + +20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any +agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a +predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or +occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). + +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 28 of 29 +Page 28 of 29 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. diff --git a/chunks/txt/d9cfb45e005fb4b3c1b250c529904e6e4b341cf185399a0c11dbbb9037fc0e9a.txt b/chunks/txt/d9cfb45e005fb4b3c1b250c529904e6e4b341cf185399a0c11dbbb9037fc0e9a.txt new file mode 100644 index 0000000000000000000000000000000000000000..12a0488a6bad40a7e45c9d6a786f4d8d3a5fb458 --- /dev/null +++ b/chunks/txt/d9cfb45e005fb4b3c1b250c529904e6e4b341cf185399a0c11dbbb9037fc0e9a.txt @@ -0,0 +1,46 @@ +2023-003 Updated Report Label for reference to Supervisory Appraiser Certifications. + +2023-015 Corrected Report Label for Exterior Inspection Method (2.021-2.036) and Interior Inspection Method (2.022-2.037). + +2023-037 + +Clarified the ‘Definition / Additional Guidance’ column for ID (2.025, 2.040, 2.050), and corrected references to ASC and +the ASC National Registry. + +2023-058 Updated the ‘Definition / Additional Guidance’ column for Neighborhood Name (3.003). + +2023-045 Dwellings Containing Units (3.007): Clarified that format is a number. + +2023-069 Clarified that commercial space in project buildings is addressed in Project Information. + +2023-050 + +Zoning Compliance (4.034): Updated definition for Legal Nonconforming. + +04 Site + +2023-019 4.034: Clarified that photos are required for all water frontage with private access. + +08 Dwelling +Exterior + +09 Manufactured +Home + +2023-013 4.039: Clarified that photos are required for all views that impact value or marketability. + +2023-013 4.059: Clarified that photos or images of encroachments are not required. + +2023-040 Corrected display rules and added examples for Converted Area (8.012-8.013). + +2023-037 Corrected Report Field ID 8.035 to match sample from Appendix C-1. + +2023-063 Added example of a manufactured home that is an ADU (outbuilding). + +2023-066 Updated allowable answers for Manufactured Home Width (9.005). + +2023-037 Updated sample for manufactured homes that are ADUs to match Appendix C-1. + +2023-017 Updated introduction to clarify treatment of detached garages. + +2023-025 Clarified the ‘Definition / Additional Guidance’ column for Unit Identifier (10.002). diff --git a/chunks/txt/d9e6435c165400047be68b9d9b671d7e9fa0d9ca4a645dcc70707f904e99c97c.txt b/chunks/txt/d9e6435c165400047be68b9d9b671d7e9fa0d9ca4a645dcc70707f904e99c97c.txt new file mode 100644 index 0000000000000000000000000000000000000000..b4fd68cb868fd21595182f23dad11874bed156c9 --- /dev/null +++ b/chunks/txt/d9e6435c165400047be68b9d9b671d7e9fa0d9ca4a645dcc70707f904e99c97c.txt @@ -0,0 +1,50 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +o When HeatingSystemType <> None, Detail - HeatingFuelType (UID: 0300.0086, FID: 12.015) must be provided for each heating + +Page 209 + +system type. (Figure 12 - 7) + +o When HeatingSystemType = “None”, + +▪ Detail - LackOfHeatingSystemTypicalToMarketIndicator (UID: 0300.0083, FID: 12.015) is required. + +• When true, display “Typical for Market” +• When false, display “Not Typical for Market” + +Cooling + +• System - CoolingSystemType (UID: 0300.0084, FID: 12.016) always displays. If there are multiple, display as stacked in a new row. + +o Cooling - CoolingSystemExistsIndicator (UID: 0300.0022, FID: 12.009) + +▪ When true, display cooling system type +▪ When false, display “None” + +Other Mechanical Systems + +• Other Mechanical Systems - MechanicalSystemType (UID: 0300.0090, FID: 12.017) displays when provided. If there are multiple, display as + +stacked. + +o When there are no other mechanical systems, Other Mechanical Systems does not display. + +Figure 12 - 7 + +Apparent Defects, Damages, Deficiencies ([Outbuilding Type]) + +The Apparent Defects, Damages, Deficiencies ([OutbuildingType]) subsection header displays in the gray bar. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 210 + +OutbuildingDefectsExistIndicator (UID: 0300.0111, FID: 12.019) + +• When false, display “None” (Figure 12 - 8) +• When true, display static text in italics (FID: 12.019) “The items listed below represent the As Is condition as of the effective date of + +this report” and the following data is required (Figure 12 - 9): + +o Feature - DefectComponentLabelType (UID: 3900.0164, FID: 12.020) diff --git a/chunks/txt/d9fdfb0448d77bbcdfccfec72273f49ca693167dd05b6c0db76d4f2f90124c4d.txt b/chunks/txt/d9fdfb0448d77bbcdfccfec72273f49ca693167dd05b6c0db76d4f2f90124c4d.txt new file mode 100644 index 0000000000000000000000000000000000000000..3a845e62c09eb55ec6bda2ab3e8b918fc71ffba2 --- /dev/null +++ b/chunks/txt/d9fdfb0448d77bbcdfccfec72273f49ca693167dd05b6c0db76d4f2f90124c4d.txt @@ -0,0 +1,113 @@ +Is there an Additional +Caption +(Free-form Text)? + +Is the Photo or Image +Required? + +Additional Guidance + +24 + +Income +Approach +(Continued) + +Map of GRM +Comparables + +An additional caption may be +provided + +If Income Approach is in +the URAR + +Income Approach +Exhibits + +Required for each photo or +image + +25 + +Cost +Approach + +Map of Land +Comparables + +May be provided to further +identify the image + +Cost Approach Exhibits + +Required for each photo or +image + +26 + +Reconciliation + +Reconciliation Exhibits + +Required for each photo or +image + +27 + +28 + +29 + +Revision +History + +Supplemental +Information + +Supplemental +Information Exhibits + +Required for each photo or +image + +Certifications +and Scope of +Work, which +includes the +Certifications +black tab + +A map showing the subject +property and the Gross Rent +Multiplier (GRM) Comparables +can display here, or as one +map in the Sales Comparison +Approach section. +Photos or images related to +the Income Approach section +that are not specified above. + +Photos or images related to +the Cost Approach section that +are not specified above, +including an image of the +worksheet showing support of +Cost Approach calculations +25.052. + +This section does not have any +images associated with it. +Photos and images must only +be displayed in Supplemental +Information when they are not +relevant to any other section. + +This section does not have any +images associated with it. + +Additional Guidance: Maps + +The appraiser must check to be sure the vendor software has correctly placed all addresses on any maps. For +situations where the software does not correctly auto-populate, and if vendor software allows, the appraiser +must “move the pin” to the location of the dwelling on the property. diff --git a/chunks/txt/da001ecce58f9d5930f96f2696f2cd79a664c793e6c9729b4aa2920c5d8d1064.txt b/chunks/txt/da001ecce58f9d5930f96f2696f2cd79a664c793e6c9729b4aa2920c5d8d1064.txt new file mode 100644 index 0000000000000000000000000000000000000000..c1791d7ae8c3806f94ccc822f325dae4e267298e --- /dev/null +++ b/chunks/txt/da001ecce58f9d5930f96f2696f2cd79a664c793e6c9729b4aa2920c5d8d1064.txt @@ -0,0 +1,3 @@ +Appraisal File Structure – Submission to UCDP ....................................................................................................................................................................................... 62 + +Creation of .zip File .................................................................................................................................................................................................................... 63 diff --git a/chunks/txt/da090c06d0cc3763c8fac32cd4e64a345f77b44a00383bfe058bc3f6b45f1037.txt b/chunks/txt/da090c06d0cc3763c8fac32cd4e64a345f77b44a00383bfe058bc3f6b45f1037.txt new file mode 100644 index 0000000000000000000000000000000000000000..78bcd4ed8f5483843971b0c8eb31d76cada6e656 --- /dev/null +++ b/chunks/txt/da090c06d0cc3763c8fac32cd4e64a345f77b44a00383bfe058bc3f6b45f1037.txt @@ -0,0 +1,45 @@ +Loan Amount (Note Amount): Loan + +Amount is a modified HMDA data +element that identifies the amount to be +repaid as disclosed on the legal +obligation (Note Amount), and the +unpaid principal balance (UPB) at the +time of purchase (discussed below).48 + +43 84 FR at 656. +44 12 CFR 1003.4(a)(23). +45 84 FR at 665–666. The CFPB intends to disclose + +DTI as follows: ‘‘a. Bin reported values into the +following ranges, as applicable: 20 percent to less +than 30 percent; 30 percent to less than 36 percent; +and 50 percent to less than 60 percent; b. Bottom- +code reported values under 20 percent; c. Top-code +reported values of 60 percent or higher; and d. +Disclose, without modification, reported values +greater than or equal to 36 percent and less than 50 +percent.’’ 84 FR at 672. + +46 12 CFR 1003.4(a)(3). Cash-Out Refinancing is +defined as a loan that the institution considered to +be a cash-out refinancing in processing the loan +application or setting the terms (such as the interest +rate or origination charges) under its guidelines or +an investor’s guidelines. Official Interpretations, +comment 4(a)(3)–2. +47 84 FR at 656. +48 12 CFR 1003.4(a)(7)(i). Regulation C loan +purchasers are required to report the UPB at the +time of purchase, and Regulation C loan originators +are required to report the Note Amount. Because the +Enterprises collect both values, FHFA is requiring +that the Enterprises report both for inclusion in the +PUDB. As noted earlier, the Enterprises’ reporting +obligations for the PUDB extend to all of the HMDA +data they possess, not the same data as reported by +HMDA loan purchasers. In 2010, FHFA determined +not to include the HMDA Note Amount in the +PUDB because there was likely to be no difference +between the Note Amount and the UPB at the time +of purchase for most loans acquired by the diff --git a/chunks/txt/da0fa71a2a35fa1a7a73c03e8344098ef736aa3641b0b0bd01077a622e04ee2e.txt b/chunks/txt/da0fa71a2a35fa1a7a73c03e8344098ef736aa3641b0b0bd01077a622e04ee2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..cfe823e9dfb693f2e02789acb36f705d3711ad8d --- /dev/null +++ b/chunks/txt/da0fa71a2a35fa1a7a73c03e8344098ef736aa3641b0b0bd01077a622e04ee2e.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/representation-and-warranty-framework" +date_accessed: "2026-01-27T17:47:55.504Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/da1495c6cec4374618cc94bb342f56fcd14b830d08250df465ee1ae6296cec12.txt b/chunks/txt/da1495c6cec4374618cc94bb342f56fcd14b830d08250df465ee1ae6296cec12.txt new file mode 100644 index 0000000000000000000000000000000000000000..6edc43c8fd347948ba53421832f292395161c970 --- /dev/null +++ b/chunks/txt/da1495c6cec4374618cc94bb342f56fcd14b830d08250df465ee1ae6296cec12.txt @@ -0,0 +1,31 @@ +--- + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/da1c104924f92f66bf733d674e9e1f23caf7c2e8a485fbe603da244bc3cd9709.txt b/chunks/txt/da1c104924f92f66bf733d674e9e1f23caf7c2e8a485fbe603da244bc3cd9709.txt new file mode 100644 index 0000000000000000000000000000000000000000..203d0fd3cb23276d67bed91aee0c4ab88a04acd9 --- /dev/null +++ b/chunks/txt/da1c104924f92f66bf733d674e9e1f23caf7c2e8a485fbe603da244bc3cd9709.txt @@ -0,0 +1,28 @@ +the MISMO version; and 2) + +Government Loans +FHA loans and VA loans supported by DU have different data needs than do Conventional loans; and +consequently, they have different conditions and conditionality statements. + +FHA Loans +The FHA Loan conditionality and the corresponding conditionality statements in the DU Spec were +reviewed by FHA and correspond to the 2019 version of the FHA Total Scorecard Underwriting +requirements. Lenders and technology solution providers (TSPs) should use the information in the +FHA column for data point usage. + +VA Loans +The VA Loan conditionality and the corresponding conditionality statements in the DU Spec are used +by the VA. The DU Spec contains a number of data points used by the VA that are not included in the +redesigned Form 1003. Lenders and TSPs should use the information on all the VA fields (including +those not present in the redesigned Form 1003) in the VA column for the data points used for VA loans. + +Credit Request +There are no changes to the single borrower credit request; however, for a joint credit report the Loan +Application Submission file must contain the following ArcRole “SharesJointCreditReportWith”. For +further information on the ArcRole, please consult the DU Spec – ArcRoles tab. Credit request data points +are identified within the DU Map Tab in the Credit Request column of the Conditionality Information +columns. + +To determine what financial information is shared, DU uses a granular approach by inspecting the +RELATIONSHIP container in your Loan Application Submission file to understand which borrowers are +associated to each asset, liability and expense. diff --git a/chunks/txt/da2e2f16b53ab351c2fd4f311854cf1b63da9f7afb9994f33a953053fc066b37.txt b/chunks/txt/da2e2f16b53ab351c2fd4f311854cf1b63da9f7afb9994f33a953053fc066b37.txt new file mode 100644 index 0000000000000000000000000000000000000000..643185ed19083c06715e1abf794f6c647fadee01 --- /dev/null +++ b/chunks/txt/da2e2f16b53ab351c2fd4f311854cf1b63da9f7afb9994f33a953053fc066b37.txt @@ -0,0 +1,158 @@ +HDR-L + +H1 + +TXC-I + +Affects Soundness +or Structural +Integrity + +Recommended +Action + +Estimated Cost +to Repair + +Feature +TCH +TB_sub-H1 +Site + +TB + +Location + +Description + +TB_sub-H1 + +Dwelling Exterior - [Structure Identifier] + +TB + +TB_sub-H1 + +Unit Interior - [Structure Identifier] - [Unit Identifier] + +TB + +TB_sub-H1 + +Outbuilding - [Outbuilding Type] + +TB + +TB_sub-H1 + +Unit Interior - [Outbuilding Type] - [Unit Identifier] + +TB + +TB_sub-H1 + +Vehicle Storage + +TB + +TB_sub-H1 + +Subject Property Amenities + +TB + +TXR-B + +As Is Overall Condition Rating + +TXC-I1 + +Existing condition of the property as of the effective date of this +appraisal, excluding all required repairs, alterations, or inspections + +TXR-B + +Total Estimated Cost of Items +Recommended for Repair + +TXC-I + +There are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section. + +TB_sub-H1-R + +Total Cost + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L + +TAB + +Assignment Information + +TXR-B + +TXR-B + +Assignment Reason +Borrower Name +Seller Name +Current Owner of Public Record + +H1 + +H2 + +TXR-I +TXR-I + +Contact Information + +[Role]/[Role] + +Company Name +Company Address + +H2 + +Appraiser + +TXR-I + +TXR-I +TX-B +TXR-I +TXR-II +TXR-II +TXR-II + +Name +Designation +Company Name +Company Address + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +H2 + +Supervisory Appraiser + +TXR-I + +TXR-I +TX-B +TXR-I +TXR-II +TXR-II +TXR-II diff --git a/chunks/txt/da4bd91d5ce0c09aba3842f728c6c3ab296ef6ae3eae0f6daf18ca99feae8be1.txt b/chunks/txt/da4bd91d5ce0c09aba3842f728c6c3ab296ef6ae3eae0f6daf18ca99feae8be1.txt new file mode 100644 index 0000000000000000000000000000000000000000..b020b3e3b367959fe21c166433e756b7858cc873 --- /dev/null +++ b/chunks/txt/da4bd91d5ce0c09aba3842f728c6c3ab296ef6ae3eae0f6daf18ca99feae8be1.txt @@ -0,0 +1,97 @@ +o Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to + +the iGuide or UAD Spec for more information. +Section +Name +(Black Tab) + +Photo or Image +(Predefined Caption or +Gray Bar) + +Is there an Additional +Caption +(Free-form Text)? + +Section +# + +Is the Photo or Image +Required? + +Additional Guidance + +01 + +03 + +Subject +Property + +Appraisal +Update + +Legal Description + +Dwelling Front + +Dwelling Rear + +Yes + +May be provided to further +identify the image +May be provided to further +identify the photo or image +May be provided to further +identify the photo or image + +If Legal Description +01.004 is not provided +If required by client or +scope of work +If required by client or +scope of work + +Appraisal Update Exhibits + +Required for each photo or +image + +If required by client or +scope of work + +Photo at the top of the section +(identified as Property Photo) + +See 01.004 + +Photos or images related to +the Restricted Appraisal +Update Report that are not +specified above. + +Best Practices + +When there are multiple allowable answers, select the answer that is most applicable. Don’t select Other +(Describe) and type in abbreviations or words with similar meaning to the allowable answer. + +The Certifications and Scope of Work section provides space for additional appraiser or supervisory appraiser +certifications. The appraiser must not enter language that is contrary to the predefined certifications (05.030 +and 05.037). + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 7 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +Header and Footer + +Header and Footer + +The header and footer display on each page. They provide navigation and reference notations including report +title, page numbers, and, if applicable, Reference IDs used by various parties to the Appraisal Update. The footer +contains information that is input by the appraiser; those fields are addressed in this chapter. diff --git a/chunks/txt/da51c9946644c275bc04640f6ab1f525a5677e469dc9cbd659e85be221d18181.txt b/chunks/txt/da51c9946644c275bc04640f6ab1f525a5677e469dc9cbd659e85be221d18181.txt new file mode 100644 index 0000000000000000000000000000000000000000..8b5cfaf05f1aaf4aab25067d92e37572e81b8992 --- /dev/null +++ b/chunks/txt/da51c9946644c275bc04640f6ab1f525a5677e469dc9cbd659e85be221d18181.txt @@ -0,0 +1,77 @@ +2500.0163 AssociationSpecialAssessmentStatusType + +18.072 + +Detail + +2500.0013 AssociationChargeBalanceAmount + +18.082 + +Impact + +2500.0123 ValueMarketabilityImpactType + +18.092 + +Comment + +2500.0122 ValuationCommentText + +Project Factor: Unit Tax Abatements or Exemptions + +18.073 + +Detail + +2500.0081 + +PropertyTaxAbatementsOrExemptionsIndicator + +2500.0082 + +TaxAbatementsOrExemptionsAnnualAmount + +2500.0084 + +TaxAbatementsOrExemptionsExpirationDate + +Appendix B-1: URAR Implementation Guide v1.3 + +Display Rules + +Display when PropertyInProjectIndicator = “true” OR PUDIndicator = “true” + +If false, display “None”, when true display “Yes”. +Display when ValuationAnalysisCategoryType (UID: 2500.0124, FID: Not on +report) = “ProjectLegalAction” +Display when ((LegalActionIndicator = "true") OR (LegalActionIndicator = +"false" AND Exists)) +Display when PropertyInProjectIndicator = “true” + +If false, display “None”, when “true” do not display. + +Display when OwnershipTransferFeeIndicator = "true" +Display when ValuationAnalysisCategoryType (UID: 2500.0145, FID: Not on +report) = "TransferFeeAttributedToSubjectProperty" +Display when ((OwnershipTransferFeeIndicator = "true") OR +(OwnershipTransferFeeIndicator = "false" AND Exists)) + +Display when PropertyInProjectIndicator = “true” OR PUDIndicator = “true” + +Display when AssociationChargeType = "AssociationSpecialAssessment" +− When “Existing” or “Proposed”, display on the same line with the +associated $ amount if applicable. +− When both Existing and Proposed, display as stacked. + +Display when (AssociationChargeType (UID: 2500.0012, FID: Not on report) += "AssociationSpecialAssessment" AND +AssociationSpecialAssessmentStatusType = "Existing") OR +(AssociationChargeType = "AssociationSpecialAssessment" AND +AssociationSpecialAssessmentStatusType = "Proposed" AND Exists) +− Can be 0 +Display when ValuationAnalysisCategoryType (UID: 2500.0121, FID: Not on +report) = "ProjectSpecialAssessmentsAttributedToSubjectProperty" +Display when ((AssociationSpecialAssessmentStatusType <> “None”) OR +(AssociationSpecialAssessmentStatusType = "None" AND Exists)) +Display when PropertyInProjectIndicator = “true” OR PUDIndicator = “true” diff --git a/chunks/txt/da55ee809da7262835f37969063c9a587dbd5f083e3e342bb41385ea35b617bb.txt b/chunks/txt/da55ee809da7262835f37969063c9a587dbd5f083e3e342bb41385ea35b617bb.txt new file mode 100644 index 0000000000000000000000000000000000000000..20fbc1d8b66c3047df9155be48b8d98787d8a018 --- /dev/null +++ b/chunks/txt/da55ee809da7262835f37969063c9a587dbd5f083e3e342bb41385ea35b617bb.txt @@ -0,0 +1,98 @@ +Property Use + +The Property Use subheading displays when Subject Site Owned in Common - LandOwnedInCommonIndicator (UID: 0100.0047, FID: 3.009) = +“false”. + +Appendix B-1: URAR Implementation Guide v1.3 + +Note: When LandOwnedInCommonIndicator = "true", Property Use does not display. Non-residential +uses in the living unit are reported in the Unit Interior section. Any commercial space in a +condominium, cooperative, or condop project is reported in the Project Information section. + +Page 119 + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Display when LandOwnedInCommonIndicator = “false” +AND… + +4.015 + +Primarily Residential + +1500.0036 + +PropertyPrimarilyResidentialUseIndicator + +… PropertyMixedUsageIndicator = "true" + +Site: Property Use + +Display Rules + +4.016 + +Residential Use + +1500.0037 + +ResidentialUsePercent + +4.017 + +Non-Residential Use + +1500.0039 + +NonResidentialUseType + +… PropertyMixedUsageIndicator = "true" AND +GovernmentAgencyAppraisalIndicator = "true" + +− Display with % sign + +… PropertyMixedUsageIndicator = "true" +When there are multiple, display as stacked on separate lines + +− When “false”, display “None” + +4.018 + +Non-Residential Modification + +1500.0032 + +NonResidentialModificationIndicator + +… PropertyMixedUsageIndicator = "true" + +4.019 + +Description of Non- +Residential Use/Modification + +1500.0033 + +NonResidentialUseDescription + +… PropertyMixedUsageIndicator = "true" + +Property Access + +• Primary Access - PropertyPrimaryEntryExitMethodType (UID: 1500.0055, FID: 4.020) always displays. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 120 + +Report +Field ID + +Report Label diff --git a/chunks/txt/da62f56e4c639772fd32d3e47c7a2cb139e0dd234a4d860f246e0812870bdab5.txt b/chunks/txt/da62f56e4c639772fd32d3e47c7a2cb139e0dd234a4d860f246e0812870bdab5.txt new file mode 100644 index 0000000000000000000000000000000000000000..54344834091a508859e361342f3c7abe8983d41a --- /dev/null +++ b/chunks/txt/da62f56e4c639772fd32d3e47c7a2cb139e0dd234a4d860f246e0812870bdab5.txt @@ -0,0 +1 @@ +Page 5 of 5 diff --git a/chunks/txt/da6abfb198142b8cdcade256741c1d08e55e7f5dc5bba708bc8f705709cffa29.txt b/chunks/txt/da6abfb198142b8cdcade256741c1d08e55e7f5dc5bba708bc8f705709cffa29.txt new file mode 100644 index 0000000000000000000000000000000000000000..013cfcf18c2b1b80c9b49889916ca7d77f12533e --- /dev/null +++ b/chunks/txt/da6abfb198142b8cdcade256741c1d08e55e7f5dc5bba708bc8f705709cffa29.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34971","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/da7172990f80116b05dbd66b6ac5d6268e1f53e03ed62e83e099a6725a8eec18.txt b/chunks/txt/da7172990f80116b05dbd66b6ac5d6268e1f53e03ed62e83e099a6725a8eec18.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff14e4e43ebd0d6a355bbdf1c274b2343461ff5a --- /dev/null +++ b/chunks/txt/da7172990f80116b05dbd66b6ac5d6268e1f53e03ed62e83e099a6725a8eec18.txt @@ -0,0 +1,37 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +![rows of townhomes](/sites/default/files/styles/desktop_hero/public/2025-04/hero-1.jpg.webp?itok=P5yXGGiI) + +# Reports + +Publications and documents that provide in-depth research, data, and analysis related to various aspects of the U.S. housing finance industry. + +#### Search & Filter diff --git a/chunks/txt/da73ec592a77f49455b276eeb0a7addfc6f070d17a780a8600a22ac1d2da2952.txt b/chunks/txt/da73ec592a77f49455b276eeb0a7addfc6f070d17a780a8600a22ac1d2da2952.txt new file mode 100644 index 0000000000000000000000000000000000000000..185f9caafd81ab531f5d196d44b062e56f3f9e03 --- /dev/null +++ b/chunks/txt/da73ec592a77f49455b276eeb0a7addfc6f070d17a780a8600a22ac1d2da2952.txt @@ -0,0 +1,13 @@ + + + Data dictionary was updated with the correct Disclosure +Avoidance Method column for the following fields: +o Condition rating +o 2010 and 2020 county FIPS and census tract ID +o DTS rural indicator + + Borrower race and ethnicity indicator in the Enterprise UAD PUF + +were excluded. + +2 diff --git a/chunks/txt/da752f7f94d932c75dcefe01805935968b2303a5884dd602801f0fe306edeaa2.txt b/chunks/txt/da752f7f94d932c75dcefe01805935968b2303a5884dd602801f0fe306edeaa2.txt new file mode 100644 index 0000000000000000000000000000000000000000..ecce334c6a2fcc383b9d43bcf913c096841d720d --- /dev/null +++ b/chunks/txt/da752f7f94d932c75dcefe01805935968b2303a5884dd602801f0fe306edeaa2.txt @@ -0,0 +1,67 @@ +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +Sale Price +Adjustment Type +Other Description + +A free form text field used to capture +additional information when Other is +selected for Sale Price Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD +JUSTMENT[@_Type='Other'][1]/@_TypeOtherDescription + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) diff --git a/chunks/txt/da9f44268810427f42856be234f62fe31e99468e61a6408085de0555121e4916.txt b/chunks/txt/da9f44268810427f42856be234f62fe31e99468e61a6408085de0555121e4916.txt new file mode 100644 index 0000000000000000000000000000000000000000..dc983dc3a901e0eb2c181a3b9063d30537885f7d --- /dev/null +++ b/chunks/txt/da9f44268810427f42856be234f62fe31e99468e61a6408085de0555121e4916.txt @@ -0,0 +1,50 @@ +The ADU can be accessed from the interior of the structure that it is attached to (has continuous access) and has a +separate exterior entrance. +Note: Do not select this answer for standalone ADUs. + +Exterior Access Only + +The ADU can only be accessed from the exterior of the structure. There is no continuous interior access from another unit. +Note: For standalone ADUs, this is the only acceptable answer. + +Appendix F-1: URAR Reference Guide + +Page 128 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Levels in Unit + +10 Unit Interior + +The foyer (or landing) area in a split foyer is not considered a separate level. + +Levels are usable areas or living areas. +• +• A sunken living room is not considered a separate level. +• An uppermost story is considered a level when there is permanent stair access (not drop stairs or a scuttle), and is not + +considered an attic. + +o The level may include finished or unfinished space. +o When an attic is the uppermost story and requires structural changes to convert to livable space, it is not +considered a level. For government agency appraisals, attics are reported in the Dwelling Exterior section +(8.017). + +• + +Levels are specific to each unit. + +o Example: If the entire below grade area is an ADU, it would be captured in the Unit Interior section for the + +ADU, and not for the main dwelling unit. + +• When ANSI is the applicable standard, partially below grade is considered below grade. Represent the level + +appropriately. + +• Noncontinuous finished area in the dwelling that is not part of any unit is reported in the Dwelling Exterior section + +(8.046-8.048) and not here. diff --git a/chunks/txt/da9f49e970e05e415fead01eaebc4deb7b3ffdd3ec1dde008e049d1b981ec503.txt b/chunks/txt/da9f49e970e05e415fead01eaebc4deb7b3ffdd3ec1dde008e049d1b981ec503.txt new file mode 100644 index 0000000000000000000000000000000000000000..89bc98392299920775e1ef4bbd1ea4734ab4baa5 --- /dev/null +++ b/chunks/txt/da9f49e970e05e415fead01eaebc4deb7b3ffdd3ec1dde008e049d1b981ec503.txt @@ -0,0 +1,136 @@ +Public Other (describe) + 110 +109 + 113 +112 +FEMA Map # 123 + +Off-site Improvements—Type +Street 114 +Alley 117 + +FEMA Map Date 124 + +111 +122 + +118 + +128 + +108 + +121 + +129 + +Public Private +115 + +116 +119 + +Data source(s) for project information 131 +Project Description Detached Row or Townhouse Garden Mid-Rise High-Rise Other (describe) 138 +132 + +133 + +134 + +136 + +135 + +137 + +General Description + +General Description + +Subject Phase + +If Project Completed + +If Project Incomplete + +142 + +Exterior Walls 146 +# of Stories 139 +Roof Surface 147 +# of Elevators 140 + Existing Proposed Total # Parking 148 +141 + Under Construction +143 +Year Built e-8; 144 +Effective Age 145 +Project Primary Occupancy +Is the developer/builder in control of the Homeowners’ Association (HOA)? Yes No +Management Group – Homeowners’ Association Developer Management Agent – Provide name of management company. 178 +177 + +158 +# of Phases +159 +# of Units +160 +# of Units for Sale +161 +# of Units Sold +# of Units Rented +162 +# of Owner Occupied Units 163 + +152 +# of Units +153 +# of Units Completed +154 +# of Units For Sale +155 +# of Units Sold +# of Units Rented +156 +# of Owner Occupied Units 157 + +Ratio (spaces/units) 149 +Type 150 +Guest Parking 151 + Principle Residence +170 + +Second Home or Recreational Tenant +171 + +172 + +174 + +173 + +176 + +175 + +164 +# of Planned Phases +165 +# of Planned Units +166 +# of Units for Sale +167 +# of Units Sold +# of Units Rented +168 +# of Owner Occupied Units 169 + +Does any single entity (the same individual, investor group, corporation, etc.) own more than 10% of the total units in the project? Yes No If Yes, describe 181 + +179 + +180 + +Was the project created by the conversion of an existing building(s) into a condominium? Yes No If Yes, describe the original use and the date of conversion. +184 diff --git a/chunks/txt/dabdd0196c16368953eba063a0190fa247bf67d3bb99893139ef867de3845d22.txt b/chunks/txt/dabdd0196c16368953eba063a0190fa247bf67d3bb99893139ef867de3845d22.txt new file mode 100644 index 0000000000000000000000000000000000000000..493cf9b897edef53baa32c3d50722ee8f2f1081b --- /dev/null +++ b/chunks/txt/dabdd0196c16368953eba063a0190fa247bf67d3bb99893139ef867de3845d22.txt @@ -0,0 +1,115 @@ +Money + +String + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field must indicate the data source used for the prior sale/transfer of the +comparable. + +PDF Display Format (when the source is an MLS listing): +MLS Organization # Listing + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +At least one instance of this field is required +(i.e. for at least one comp) if field 2-102 +(Comparable Has Prior Sales Indicator = 'Y') +is indicated. + +At least one instance of this field is required +(i.e. for at least one comp) if field 2-102 +(Comparable Has Prior Sales Indicator = 'Y') +is indicated. + +317 + +318 + +319 + +320 + +321 + +322 + +2 + +3 + +3 + +3 + +3 + +3 + +114 + +PRIOR SALE +HISTORY + +Analysis of prior sale or transfer history +of the subject property and comparable +sales. + +GSE Prior Sale +Comment + +Analysis of the prior sale(s) of the subject +and comparable sales. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/PRIOR_SALES/P +RIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_SECTION[@Exte +nsionSectionOrganizationName +='UNIFORM APPRAISAL DATASET']/ +PRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEPriorSa +leComment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +2 + +3 + +4 + +4a + +5 + +HEADER + +BLANK + +HEADER + +File # + +HEADER + +BLANK + +HEADER + +BLANK diff --git a/chunks/txt/dac20742d0a6123945b03195c3700690b216a9b7c86dbfea263cb8fd251116d2.txt b/chunks/txt/dac20742d0a6123945b03195c3700690b216a9b7c86dbfea263cb8fd251116d2.txt new file mode 100644 index 0000000000000000000000000000000000000000..a3ccdc6eee64d27bdcb28e5c3dc33994ac254cee --- /dev/null +++ b/chunks/txt/dac20742d0a6123945b03195c3700690b216a9b7c86dbfea263cb8fd251116d2.txt @@ -0,0 +1,210 @@ +e-14; e-15; e-16 + +e-14; e-15; e-16 + ++(-) $ Adjustment + +52 +e-26; e-27; e-28 + +52 +e-26; e-27; e-28 + +12a 12b 12c +Proximity to Subject +Sale Price +$ 13 +Sale Price/Gross Liv. Area $ 14 +Data Source(s) +Verification Source(s) +VALUE ADJUSTMENTS +Sale or Financing +Concessions +Date of Sale/Time +Location +Leasehold/Fee Simple +Site +View +Design (Style) +Quality of Construction +Actual Age +Condition +Above Grade +Room Count +Gross Living Area +Basement & Finished +Rooms Below Grade +Functional Utility +Heating/Cooling +Energy Efficient Items +Garage/Carport +Porch/Patio/Deck +39 +41 +43 +Net Adjustment (Total) +Adjusted Sale Price +of Comparables +I did did not research the sale or transfer history of the subject property and comparable sales. If not, explain 107 + 105 + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +Net Adj. 103a % +Gross Adj. 103b % + +Net Adj. 103a % +Gross Adj. 103b % + +Baths Total Bdrms. Baths + +95 +97 +99 +102 + +Total Bdrms. Baths + +Total Bdrms. + ++ - + +96 +98 +100 + +e-5; e-6; e-7 + ++ - + +31 sq. ft. + +79 sq. ft. + +79 sq. ft. + +95 +97 +99 + +40 +42 +44 + +e-17; 26 + +e-17; 70 + +e-17; 70 + +$ 104 + +$ 103 + +$ 104 + +$ 103 + +106 + +82 +84 + +101 + +102 + +101 + +65 + +74 + +71 + +87 + +92 + +73 + +72 + +66 + +93 + +89 + +75 + +78 + +88 + +85 + +80 + +67 + +77 + +68 + +86 + +90 + +91 + +69 + +94 + +77 + +28 + +27 + +37 + +85 + +76 + +93 + +38 + +75 + +68 + +91 + +34 + +87 + +72 + +36 + +35 + +89 + +76 + +30 + +29 diff --git a/chunks/txt/dac27899ca6ff08559a2767809d6d25972bb36f1c6d9564eca8eccd350b933a8.txt b/chunks/txt/dac27899ca6ff08559a2767809d6d25972bb36f1c6d9564eca8eccd350b933a8.txt new file mode 100644 index 0000000000000000000000000000000000000000..eaf8ed65d293c1fe5d5d8b524f38a2df737a0d0a --- /dev/null +++ b/chunks/txt/dac27899ca6ff08559a2767809d6d25972bb36f1c6d9564eca8eccd350b933a8.txt @@ -0,0 +1,9 @@ +##### Release Notes + +- [2025 Loan Delivery Release Notes](/media/document/pdf/2025-loan-delivery-release-notes-printable-version) +- [2024 Loan Delivery Release Notes](/media/document/pdf/2024-loan-delivery-release-notes-printable-version) +- [2023 Loan Delivery Release Notes](/media/document/pdf/2023-loan-delivery-release-notes-printable-version) + +##### Integration Test Cases + +- [ULDD Phase 3 Integration Test Cases](https://singlefamily.fanniemae.com/learning-center/delivering/uniform-loan-delivery-dataset-uldd/appendix-c-xml-samples?utm_source=sfmc&utm_medium=email&utm_campaign=10965074&utm_term=5132820&utm_content=43147116&sfmc_id=1130701499) diff --git a/chunks/txt/dad47198c31f9217290f5a84eab9f0468171fed067efa920deca082a9fe166e5.txt b/chunks/txt/dad47198c31f9217290f5a84eab9f0468171fed067efa920deca082a9fe166e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..d911ca0e58e63a17a8380cc554fc182bccce9fb8 --- /dev/null +++ b/chunks/txt/dad47198c31f9217290f5a84eab9f0468171fed067efa920deca082a9fe166e5.txt @@ -0,0 +1,92 @@ +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/INTERIOR_FEATURE +[@_Type='TrimAndFinish']/@_ConditionDescription + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/INTERIOR_FEATURE +[@_Type='BathroomWainscot']/@_ConditionDescription + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/INTERIOR_FEATURE +[@_Type='Doors']/@_ConditionDescription + +UNIT +DESCRIPTION + +Amenities +Fireplace(s) + +Amenity Exists +Indicator + +Indicates that the amenity specified by +Amenity Type is present in the structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='F +ireplace']/@_ExistsIndicator + +UNIT +DESCRIPTION + +Amenities +Fireplace(s) # + +Amenity Count + +The number of the amenities specified by +Amenity Type that are present in the +property. For example two fireplaces. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='F +ireplace']/@_Count + +UNIT +DESCRIPTION + +Amenities +Woodstove(s) + +Amenity Exists +Indicator + +Indicates that the amenity specified by +Amenity Type is present in the structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type=' +WoodStove']/@_ExistsIndicator + +UNIT +DESCRIPTION + +Amenities +Woodstove(s) # + +Amenity Count + +The number of the amenities specified by +Amenity Type that are present in the +property. For example two fireplaces. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type=' +WoodStove']/@_Count + +UNIT +DESCRIPTION + +Amenities +Deck/Patio + +Amenity Exists +Indicator + +Indicates that the amenity specified by +Amenity Type is present in the structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type=' +Deck']/@_ExistsIndicator + +UNIT +DESCRIPTION + +Amenities +Deck/Patio Description + +Amenity Detailed +Description diff --git a/chunks/txt/dae63a1a051d6c0ea5ea7b7d7f26379c38889897774f75ac95951eb2b80d950e.txt b/chunks/txt/dae63a1a051d6c0ea5ea7b7d7f26379c38889897774f75ac95951eb2b80d950e.txt new file mode 100644 index 0000000000000000000000000000000000000000..467b9bff12da85f0ac7f8a9d4bfaeefae0603a25 --- /dev/null +++ b/chunks/txt/dae63a1a051d6c0ea5ea7b7d7f26379c38889897774f75ac95951eb2b80d950e.txt @@ -0,0 +1,72 @@ +Exterior Appraisal + +An appraisal assignment for which the scope of work includes an inspection of the exterior areas of the subject property +from at least the street by the appraiser. The Effective Date of Appraisal (26.011) is the date of inspection. + +Appendix F-1: URAR Reference Guide + +Page 34 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +02 Assignment Information + +Property Data Report + +A property data report is the accumulation of factual information collected from the observation of a residential +property that is completed specifically for mortgage purposes, whether in the form of data or a report. This is +limited to property characteristics and does not include opinions of value. + +Note: Tax records and MLS listings are data sources and do not constitute a property data report. + +Assignment Information: Property Data Report + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +2.005 Was a Property + +Always required + +Yes | No + +Data Report +used in lieu of an +inspection? + +Appraiser and AMC Fee + +Definition / Additional Guidance + +Property Data Report Used: Indicates whether a third-party property data +report was used. + +• +• + +If Yes, the Property Data Report subsection (2.053-2.060) displays. +If No, the Property Data Report subsection does not display. + +In certain jurisdictions, the appraiser is required by law to disclose the fee charged by the appraiser and the +Appraisal Management Company (AMC) if applicable. If not populated, this information does not display. + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance diff --git a/chunks/txt/dae66cc293ea06fa133d15037ab1ad9ad09a9c70903cabb32102cb94749bf065.txt b/chunks/txt/dae66cc293ea06fa133d15037ab1ad9ad09a9c70903cabb32102cb94749bf065.txt new file mode 100644 index 0000000000000000000000000000000000000000..f78e83c730aa18e2e37936a8c0875f4b6a939d21 --- /dev/null +++ b/chunks/txt/dae66cc293ea06fa133d15037ab1ad9ad09a9c70903cabb32102cb94749bf065.txt @@ -0,0 +1,128 @@ +540 + +All + +226 + +FOOTER + +BLANK + +Appraisal Report +Content Identifier + +An additional identifier that is used for +uniquely identifying appraisal forms or +addendums. This may be an internal +systems identifier. + +/VALUATION_RESPONSE/REPORT/FORM/@AppraisalReportContentIdentifi +er + +541 + +N/A + +N/A + +N/A + +N/A + +Latitude Number + +542 + +N/A + +N/A + +N/A + +N/A + +Longitude Number + +543 + +N/A + +N/A + +N/A + +N/A + +Latitude Number + +544 + +N/A + +N/A + +N/A + +N/A + +Longitude Number + +The Y value of the geographic coordinate +system using geodetic model based on +North American datum of 1983. +The X value of the geographic coordinate +system using geodetic model based on +North American datum of 1983. +The Y value of the geographic coordinate +system using geodetic model based on +North American datum of 1983. +The X value of the geographic coordinate +system using geodetic model based on +North American datum of 1983. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCATION/@Lati +tudeNumber +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCATION/@Lon +gitudeNumber +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +LatitudeNumber +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@ +LongitudeNumber + +1 + +1 + +10 + +19 + +30 + +30 + +30 + +30 + +Enumerated + +Enumerated + +Date/Time + +String + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +This field occurs on every page of the form and must be consistent. +The only allowable value for this string is: +UAD Version 9/2011 diff --git a/chunks/txt/daf0c63b7956b8ba4e6d41530da53a4a21656062f299c68d0d1ba2bdb2d311a2.txt b/chunks/txt/daf0c63b7956b8ba4e6d41530da53a4a21656062f299c68d0d1ba2bdb2d311a2.txt new file mode 100644 index 0000000000000000000000000000000000000000..4fd321f5664a148990aedb81230011b41ec82eeb --- /dev/null +++ b/chunks/txt/daf0c63b7956b8ba4e6d41530da53a4a21656062f299c68d0d1ba2bdb2d311a2.txt @@ -0,0 +1,65 @@ +Provide the dollar amount of the prior sale or transfer, if known, in whole +dollars. Fractional amounts must be rounded to the nearest dollar. For +transfers with no monetary consideration such as gifts etc., report $0. + +If the dollar amount is not available, provide the Ownership Transfer Amount +Not Available Reason, as indicated below. + +Ownership Transfer Amount Not Available Reason: The reason why the prior +transfer price is not available for the transaction. In some jurisdictions, the +price of prior sale(s) or transfer(s) is not disclosed in the public records or not +otherwise available to the appraiser in the normal course of business. +• +• +• + +Not Disclosed +Not Recorded +Other (Describe) + +Assessor Record +Builder or Developer +Cooperative Board +Data Aggregator +Deed +Homeowners Association + +Data source(s) used to research the prior sale or transfer history. +• +• +• +• +• +• +• MLS +• +• +• +• +• + +Previous Appraisal File +Property Management Company +Property Owner +Property Tenant +Other (Describe) + +For reference, see the Statement of Assumptions and Limiting Conditions +relevant to data sources and Appraiser Certification 8. + +Appendix F-1: URAR Reference Guide + +Page 210 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +21 Prior Sale and Transfer History + +Prior Sale or Transfer Types + +Indicate the Prior Sale Type from the list of allowable answers. If more than one sale type can apply to a prior +sale or transfer, select the most applicable one, and comment on any additional sale types that applied for the +transfer in Analysis of Prior Sales and Transfer History of Subject Property (21.006) or Analysis of Prior Sales and +Transfer History of Comparables (21.012), as applicable. diff --git a/chunks/txt/db07bd0ebb84b80682c835121fdf16295287f0b3d16481b7945920cc795e95ed.txt b/chunks/txt/db07bd0ebb84b80682c835121fdf16295287f0b3d16481b7945920cc795e95ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..02fa9746156b4777c97b9f7ba23e3165b927f8ce --- /dev/null +++ b/chunks/txt/db07bd0ebb84b80682c835121fdf16295287f0b3d16481b7945920cc795e95ed.txt @@ -0,0 +1,27 @@ +The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous +wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this +appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or +warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this +appraisal report must not be considered as an environmental assessment of the property. + +Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 17 of 18 +Page 17 of 18 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. diff --git a/chunks/txt/db18137f7bada153b9a8ec83815e2508f32d23701e0fd4f37c665c8c5dede589.txt b/chunks/txt/db18137f7bada153b9a8ec83815e2508f32d23701e0fd4f37c665c8c5dede589.txt new file mode 100644 index 0000000000000000000000000000000000000000..259b3a0f93bd5768857dcbd5ce4f0732ef447034 --- /dev/null +++ b/chunks/txt/db18137f7bada153b9a8ec83815e2508f32d23701e0fd4f37c665c8c5dede589.txt @@ -0,0 +1,48 @@ +matter how the transaction varies? + +• What is the business condition or transaction characteristics that determines whether the data point + +is required? +Is the data point unique within the transaction, or is it one of a possible group or series, that would +lead to the need to provide more than one instance? +Is this in line with Fannie Mae Credit Policy business rules? + +• + +• + +The following are conditionality examples in the DU Spec: + +• Required data point: MortgageType + +o MortgageType = “Conventional” OR “FHA” OR “VA” OR “USDARuralDevelopment” and is + +required in each transmission + +o Required data points will not have a conditionality statement as they are always needed + +• Conditionally Required data point: BorrowerResidencyBasisType + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +11 + +o BorrowerResidencyBasisType = IF (BorrowerResidencyType = "Current" AND exists) OR +(BorrowerResidencyType = "Prior" AND exists) is required when the borrower has provided a +current or prior address information + +o Conditionally required data points will always have a conditionality statement + +• Optional data point: PropertyAcquiredDate is not needed for DU but may be provided if collected. + +o Optional data points do not have conditionality requirements. + +Conditionality in attributes: The DU Spec only includes conditionality for two attributes: 1) +The MISMOReferenceModelIdentifier -describes +the +LoanRoleType -includes two enumerations and needs to be indicated to denote the type of +association the loan plays in the transaction (e.g., RelatedLoan). Both attributes are required, +while the rest of the attributes in the DU Spec have a conditionality indicated as not applicable +(N/A). diff --git a/chunks/txt/db24ba7692e08a9e5802ad314319912699cfc3172c82daeddf40df53a5e65015.txt b/chunks/txt/db24ba7692e08a9e5802ad314319912699cfc3172c82daeddf40df53a5e65015.txt new file mode 100644 index 0000000000000000000000000000000000000000..16ae35bd246dd4f17dcccb7a4337dd79503ac9ab --- /dev/null +++ b/chunks/txt/db24ba7692e08a9e5802ad314319912699cfc3172c82daeddf40df53a5e65015.txt @@ -0,0 +1,144 @@ +…/PRINCIPAL_AND_I +NTEREST_PAYMENT_ +ADJUSTMENT/PRINCI +PAL_AND_INTEREST_ +PAYMENT_LIFETIME +_ADJUSTMENT_RULE + +FirstPrincipalAndInte +restPaymentChange +MonthsCount + +13 + +ROF as “at 13th +payment” + +PrincipalAndInterest +PaymentMaximumA +mount + +2350.00 + +ROF as “$2,350.00” + +49 + +PrincipalAndInterest +PaymentMaximumA +mountEarliestEffecti +veMonthsCount + +ROF as “starting at +49th payment” + +First Instance of PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE + +Appendix E: UCD Implementation Guide + +Page 204 of 254 + +Version 1.4 + +Uniform Closing Dataset + +19.0 Adjustable Payment (AP) Table + +ID +(bullet) + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +Table 137. Step Payment Loan + +19.6 + +First … + +19.6 + +First Change / +Amount…$ + +…/PRINCIPAL_AND_I +NTEREST_PAYMENT_ +ADJUSTMENT/PRINCI +PAL_AND_INTEREST_ +PAYMENT_PER_CHA +NGE_ADJUSTMENT_ +RULES/PRINCIPAL_A +ND_INTEREST_PAYM +ENT_PER_CHANGE_ +ADJUSTMENT_RULE + +AdjustmentRuleType First + +ROF as “First” + +PerChangeMaximum +PrincipalAndInterest +PaymentAmount + +1525.00 + +ROF as “$1,525.00” + +Second Instance of PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE + +19.7 + +Subsequent … + +19.7 + +Every___Years + +…/PRINCIPAL_AND_I +NTEREST_PAYMENT_ +PER_CHANGE_ADJUS +TMENT_RULE + +AdjustmentRuleType Subsequent + +ROF as “Subsequent” + +12 + +PerChangePrincipalA +ndInterestPaymentA +djustmentFrequency +MonthsCount + +ROF as “Every year” + +End of PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE Instances + +19.3 + +Step Payments? + +…/AMORTIZATION_R +ULE + +AmortizationType + +Step + +ROF as “YES” for Step +Payments + +19.5 | +4.3 + +___Principal and +Interest Payments diff --git a/chunks/txt/db2a2db5b9eaee6c01cc97f5427bc5b81cbe3eae94a1639b2feb120aeee238cb.txt b/chunks/txt/db2a2db5b9eaee6c01cc97f5427bc5b81cbe3eae94a1639b2feb120aeee238cb.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed705cc2816918cbbb9e86c017f155cabec14f1a --- /dev/null +++ b/chunks/txt/db2a2db5b9eaee6c01cc97f5427bc5b81cbe3eae94a1639b2feb120aeee238cb.txt @@ -0,0 +1,22 @@ +1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in +this appraisal report. + +2. I did not perform a personal visual inspection of the subject property as part of this appraisal assignment. I reported the +condition of the improvements in factual, specific terms. I reported the physical deficiencies that could affect the livability, +soundness, or structural integrity of the property. + +3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal +Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in +place at the time this appraisal report was prepared. + +4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales +comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach +for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop +them, unless otherwise indicated in this report. + +5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for +sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject +property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. + +6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior +to the date of sale of the comparable sale, unless otherwise indicated in this report. diff --git a/chunks/txt/db2fc4bba371bfdb4dcc6c22c16e8fe465b68f83a2644a0b8bc96f650c14f887.txt b/chunks/txt/db2fc4bba371bfdb4dcc6c22c16e8fe465b68f83a2644a0b8bc96f650c14f887.txt new file mode 100644 index 0000000000000000000000000000000000000000..ab9d01a97557915b4f0f4751d06b5d0816b9ead8 --- /dev/null +++ b/chunks/txt/db2fc4bba371bfdb4dcc6c22c16e8fe465b68f83a2644a0b8bc96f650c14f887.txt @@ -0,0 +1,20 @@ +N O T E : When delivering the loan to Fannie Mae, the assumability flag must be “Y” if either Assum or DOS/Assum is specified in the Matrix. + + Assum means that the lender shall permit the mortgage to be assumed by a new mortgagor, as described in the Servicing Guide, and the lender will + +ensure that at least one of the following conditions is met: + +• federal law as of the date of the mortgage instrument prohibits the acceleration of the mortgage note under the particular circumstances; + +• the transferee submits a credit application that allows the lender to approve the transferee using the underwriting guidelines of Fannie Mae in effect on the +date of the transferee's application, and the transferee executes a written assumption agreement and pays reasonable fees and charges, including an +assumption fee if permitted by the mortgage documents; or + +• the transferee is an unrelated co-borrower assuming the mortgage under the circumstances described the Servicing Guide. + + DOS means that, in connection with the sale or transfer (or prospective sale or transfer) of all or any interest in the property secured by a mortgage, +the lender, except in the case of exempt transactions allowed by Fannie Mae (see the Servicing Guide), shall accelerate the maturity of the mortgage +note, and undertake and pursue enforcement proceedings, where the terms of the mortgage permit acceleration and enforcement under such a +circumstance. In addition, the lender must comply with the other requirements of the Servicing Guide that are applicable in connection with +due-on-sale enforcement. + DOS/Assum means that diff --git a/chunks/txt/db47a3855cacc673f2ec0ead09465b416ce61748cb1bbad6daefd2d083107f29.txt b/chunks/txt/db47a3855cacc673f2ec0ead09465b416ce61748cb1bbad6daefd2d083107f29.txt new file mode 100644 index 0000000000000000000000000000000000000000..fdb7b2588a2512d2025720088bd32bfc5313302a --- /dev/null +++ b/chunks/txt/db47a3855cacc673f2ec0ead09465b416ce61748cb1bbad6daefd2d083107f29.txt @@ -0,0 +1,46 @@ +When VehicleStorageDefectsExistIndicator (UID: 3200.0021, FID: 13.004) = “false”, display “None” and the table does not display in the +subsection. (Figure 13 - 4) + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 217 + +Figure 13 - 2 + +Figure 13 - 3 + +. + +Vehicle Storage Commentary + +The Vehicle Storage Commentary subsection displays when comments are provided. Commentary must use ValuationCommentText (UID: +0100.0044, FID: 13.010) and ValuationAnalysisCategoryType (UID: 0100.0045, FID: 13.010) = “VehicleStorage”. + + + +VehicleStorage +Commentary may be added here. + + + +Vehicle Storage Exhibits + +The Vehicle Storage Exhibits subsection displays when images are provided. All text provided for each image will display in bold font. + +Appendix B-1: URAR Implementation Guide v1.3 + +Car Storage Type + +• + +Images provided for car storage must be delivered in the IMAGE container in the instance of the in the CAR_STORAGE container that represents the +referenced vehicle storage. E.g., image data associated with driveway must be provided in the IMAGE container in the instance of the CAR_STORAGE where +CarStorageType= “ Driveway”. + +• The enumerated value of the CarStorageType (UID: 1400.0638, FID: 13.001.1) displays above the image. When the photo represents multiple + +Vehicle Storage Types, display all of them. + +• An additional image caption may be provided using ImageCaptionCommentDescription (UID: 1400.0640, FID: 13.001.2) and will display above + +the image following the storage type. diff --git a/chunks/txt/db4c6a7113ba96b3e1313191c1a6eeae44c400194b1e3ca58d57edfdcb847f7d.txt b/chunks/txt/db4c6a7113ba96b3e1313191c1a6eeae44c400194b1e3ca58d57edfdcb847f7d.txt new file mode 100644 index 0000000000000000000000000000000000000000..e1bf8b7f50de668cee5dac1860ad5700b3e4c04e --- /dev/null +++ b/chunks/txt/db4c6a7113ba96b3e1313191c1a6eeae44c400194b1e3ca58d57edfdcb847f7d.txt @@ -0,0 +1,29 @@ +19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. + +20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any +agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a +predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or +occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). + +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 24 of 24 +Page 24 of 24 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. diff --git a/chunks/txt/db54fa0075554521fe14533901ccb03654ac22c76358cdc0b6961f33afa44383.txt b/chunks/txt/db54fa0075554521fe14533901ccb03654ac22c76358cdc0b6961f33afa44383.txt new file mode 100644 index 0000000000000000000000000000000000000000..4e4f4c41fe5727eb600f7d5e84473e5e1eb77b3c --- /dev/null +++ b/chunks/txt/db54fa0075554521fe14533901ccb03654ac22c76358cdc0b6961f33afa44383.txt @@ -0,0 +1,100 @@ +2 + +3 + +4 + +HEADER + +BLANK + +HEADER + +File # + +HEADER + +BLANK + +Report Title +Description + +Appraiser File +Identifier + +Appraiser +Additional File +Identifier Name + +This is an identifier or number used by +the appraiser to identify their reports. It is +generally specific to the appraiser. + +Secondary report identifier used by the +appraiser to identify appraisal reports. +This field may carry the FHA number, +case number, loan number or some other +identifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName + +50 + +String + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms +vendor software. + +4a + +HEADER + +BLANK + +Appraiser +Additional File +Identifier + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier + +50 + +String + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms +vendor software. + +5 + +6 + +7 + +PROJECT +INFORMATION + +Describe the condition of the +project and quality of +construction. + +Project Condition +And Quality +Description + +A free-form text field used to describe the +condition of the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConditionAndQualityD +escription diff --git a/chunks/txt/db6e069c25a3b50f9d1c8ad17f8f8fd99c01d071d64ccc9691850bbfe6b3b8fd.txt b/chunks/txt/db6e069c25a3b50f9d1c8ad17f8f8fd99c01d071d64ccc9691850bbfe6b3b8fd.txt new file mode 100644 index 0000000000000000000000000000000000000000..c3a98d2f4d48b4222e7a62c08775528c99036da1 --- /dev/null +++ b/chunks/txt/db6e069c25a3b50f9d1c8ad17f8f8fd99c01d071d64ccc9691850bbfe6b3b8fd.txt @@ -0,0 +1,43 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +Program + +# Duty to Serve Program + +## Breadcrumb + +- [Home](/) + - [Programs](/programs) + - Duty To Serve Program + +## Overview + +On November 25, 2024, FHFA issued Non-Objections to the Duty to Serve 2025-2027 Underserved Markets Plans submitted by Fannie Mae and Freddie Mac. The Plans detail the Enterprises’ activities to serve the manufactured housing, rural housing, and affordable housing preservation markets over a three-year period. [**Read more**](/programs/2025-2027-duty-to-serve-underserved-markets-plans) diff --git a/chunks/txt/db7ebe00c63b8804e0f15df7ee8851830930ab79d847582471b10d3ddc3daef8.txt b/chunks/txt/db7ebe00c63b8804e0f15df7ee8851830930ab79d847582471b10d3ddc3daef8.txt new file mode 100644 index 0000000000000000000000000000000000000000..7d6e5261a156cc7b43b1713b1869320128282a52 --- /dev/null +++ b/chunks/txt/db7ebe00c63b8804e0f15df7ee8851830930ab79d847582471b10d3ddc3daef8.txt @@ -0,0 +1,202 @@ +Sales Concession +Description + +A free-form text field used to describe +sales concessions granted by an interested +party. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesConcess +ionDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. Separate with a semicolon. + +This field is required if field 1-50 is +indicated. + +CR + +CR + +CR + +UAD Requirement - Refer to Appendix D Contract Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +58 + +59 + +60 + +61 + +62 + +63 + +64 + +65 + +66 + +67 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +53 + +54 + +55 + +56 + +57 + +58 + +59 + +60 + +61 + +62 + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +Location +Urban + +Location +Suburban + +Location +Rural + +Built-Up +Over 75% + +Built-Up +25-75% + +NEIGHBORHOOD + +Built-Up +Under 25% + +NEIGHBORHOOD + +NEIGHBORHOOD + +NEIGHBORHOOD + +Growth +Rapid + +Growth +Stable + +Growth +Slow + +NEIGHBORHOOD + +Property Values +Increasing + +Property +Neighborhood +Location Type +Property +Neighborhood +Location Type +Property +Neighborhood +Location Type +Neighborhood +Builtup Range +Type +Neighborhood +Builtup Range +Type +Neighborhood +Builtup Range +Type + +Neighborhood +Growth Pace Type + +Neighborhood +Growth Pace Type + +Neighborhood +Growth Pace Type + +Neighborhood +Property Value +Trend Type + +Specifies the urban, suburban, or rural +nature of the location of the subject +property. +Specifies the urban, suburban, or rural +nature of the location of the subject +property. +Specifies the urban, suburban, or rural +nature of the location of the subject +property. +Specifies an estimated percentage range of +available land in the neighborhood that +has been improved. FORM SPECIFIC +FIELD +Specifies an estimated percentage range of +available land in the neighborhood that +has been improved. FORM SPECIFIC +FIELD +Specifies an estimated percentage range of +available land in the neighborhood that +has been improved. FORM SPECIFIC +FIELD +Specifies the rate at which the +neighborhood is being developed or if it +has been fully developed. +Specifies the rate at which the +neighborhood is being developed or if it +has been fully developed. +Specifies the rate at which the +neighborhood is being developed or if it +has been fully developed. diff --git a/chunks/txt/db822ef318ccebf1e53ba0106a8d4fa60ee590ffafed75d7ce5fdbeaa30fa448.txt b/chunks/txt/db822ef318ccebf1e53ba0106a8d4fa60ee590ffafed75d7ce5fdbeaa30fa448.txt new file mode 100644 index 0000000000000000000000000000000000000000..306193f3cc110f8d47a162b054c79068fa15cf5d --- /dev/null +++ b/chunks/txt/db822ef318ccebf1e53ba0106a8d4fa60ee590ffafed75d7ce5fdbeaa30fa448.txt @@ -0,0 +1,3 @@ +07 Completion Report Exhibits ....................................................................................................................................................................................... 28 + +Overview ................................................................................................................................................................................................................................... 28 diff --git a/chunks/txt/db9011e4c229988f8c695092da6aa14d87f757aa64aadfa16985c0c107755a46.txt b/chunks/txt/db9011e4c229988f8c695092da6aa14d87f757aa64aadfa16985c0c107755a46.txt new file mode 100644 index 0000000000000000000000000000000000000000..fdde10b3de2aca5b6b85731f36de401d36d3007c --- /dev/null +++ b/chunks/txt/db9011e4c229988f8c695092da6aa14d87f757aa64aadfa16985c0c107755a46.txt @@ -0,0 +1,78 @@ +If relevant + +Yes | No + +Required if Permanent +Waterfront Features is +None, and the row is +included in the sales +comparison grid + +Site +• + +Right to Build +Waterfront +Features 4.033 + +No + +Right to Build Waterfront Features +When there are no waterfront features on the property (Permanent +Waterfront Feature is None), indicates whether the property has the +right to improve the shoreline or build waterfront features. + +22.04.04 +22.04.09 + +Total Linear +Measurement + +If relevant + +Required if the +property has private +access to one or more +bodies of water, and +the row is included in +the sales comparison +grid + +Number of feet or +meters + +Site +• Water Frontage + +No + +When included, provides support for the Water Frontage with Private +Access adjustment (22.04.05). + +Total Length 4.031 + +When included, provides support for the Water Frontage with Private +Access adjustment (22.04.05). + +Appendix F-1: URAR Reference Guide + +Page 237 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Dwelling(s) + +The Dwelling(s) subsection always displays on the sales comparison grid. + +This subsection is limited to structure(s) that are identified as a dwelling. Outbuilding information is captured in the Outbuilding subsection +(22.14.01-22.14.26). If there are multiple dwellings, information is either: +• + +Listed separately for each dwelling in one row. Example: If there are two dwellings, the Year Built and Dwelling Style rows reflect the answers for +all dwellings. + +• Combined for all dwellings in one row. Example: The Gross Building Finished Area row reflects the total area across all dwellings as a single diff --git a/chunks/txt/db9e18f9287c5f52c8603a39ab9b5d525af891d0cd314f8c4f9e43ee13ffe8d0.txt b/chunks/txt/db9e18f9287c5f52c8603a39ab9b5d525af891d0cd314f8c4f9e43ee13ffe8d0.txt new file mode 100644 index 0000000000000000000000000000000000000000..2e0083b39ad8a227c1a306a451733bf04b709694 --- /dev/null +++ b/chunks/txt/db9e18f9287c5f52c8603a39ab9b5d525af891d0cd314f8c4f9e43ee13ffe8d0.txt @@ -0,0 +1,77 @@ +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +196 + +1 + +185 + +PROJECT +INFORMATION + +Are the units, common +elements, and recreation +facilities complete (including +any planned rehabilitation for a +condominium conversion)? +Yes + +Project Common +Elements +Completed +Indicator + +Indicates that the common elements and +recreation facilities in the project are +complete. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsCom +pletedIndicator=‘Y’] + +1 + +Boolean + +At least one of fields 1-175, 1-176, 1- +177 (values of Project Management +Type and sometimes values of Project +Management Type Other Description) +should be indicated. + +At least one of fields 1-175, 1-176, 1- +177 (values of Project Management +Type and sometimes values of Project +Management Type Other Description) +should be indicated. + +If field 1-177 (Project Management +Type = 'ManagementAgent') is +indicated, then this field should be +populated. + +One and only one of fields 1-179, 1- +180 (values of Project Concentrated +Ownership Indicator) should be +indicated. + +One and only one of fields 1-179, 1- +180 (values of Project Concentrated +Ownership Indicator) should be +indicated. + +This field should be populated if field 1- +179 (Project Concentrated Ownership +Indicator = 'Y') is indicated. + +One and only one of fields 1-182, 1- +183 (values of Project Conversion +Indicator) should be indicated. + +One and only one of fields 1-182, 1- +183 (values of Project Conversion +Indicator) should be indicated. + +This field should be populated if field 1- +182 (Project Conversion Indicator = 'Y') +is indicated. diff --git a/chunks/txt/dba8c2c7ea287b44326d6998939edaee44706cedeeb1f7de9f631100a268b02c.txt b/chunks/txt/dba8c2c7ea287b44326d6998939edaee44706cedeeb1f7de9f631100a268b02c.txt new file mode 100644 index 0000000000000000000000000000000000000000..917572d1e87e47b683f80431f4d47f02149cce43 --- /dev/null +++ b/chunks/txt/dba8c2c7ea287b44326d6998939edaee44706cedeeb1f7de9f631100a268b02c.txt @@ -0,0 +1,208 @@ +Uniform Residential Appraisal Report + +Individual Condominium Unit +Appraisal Report + +Individual Cooperative +Interest Appraisal Report + +Manufactured Home +Appraisal Report + +Small Residential Income +Property Appraisal Report + +Fannie Mae Number + +1004 + +1004 +Desktop + +1004 +Hybrid + +2055 +Exterior + +1073 + +1073 +Desktop + +1073 +Hybrid + +1075 +Exterior + +2090 + +2095 +Exterior + +Freddie Mac Number + +70 + +70D + +70H + +2055 + +465 + +465D + +465H + +466 + +- + +- + +1004C + +70B + +1025 + +72 + +Property Type Characteristics + +1 unit property, including: +• In a Planned Unit Development (PUD) +• With or without an ADU +• Detached Condo + +Condominium Unit, including: +• Attached units +• Detached units + +Cooperative Unit, including: +• Attached units +• Detached units + +Manufactured Home, including: +• In a PUD +• Condominium Project +• Cooperative + +2- to 4-unit property including: +• 2- or 3-unit with an ADU + +c +e +p +S +y +r +e +v +i +l + +e +D +D +A +U +m +o +r +f +n +o +i +t +a +m +r +o +f +n + +I + +i + +t +n +o +P +a +t +a +D +y +t +r +e +p +o +r +P +t +n +a +v +e +e +R + +l + +Property Valuation Method + +(UID: 1000.0158, FID: 1.010) + +Construction Method + +(UID: 0300.0034, FID: 1.012) + +Does not apply for High-rise, +Mid-rise, or Low-rise structures. + +Subject Site Owned in Common + +(UID: 0100.0047, FID: 1.020) + +Project Legal Structure + +(UID: 2500.0168, +FID: 1.016, 1.017, 1.018) + +Units Excluding ADUs + +(UID: 0100.0022, FID: 1.021) + +Accessory Dwelling Units + +(UID: 0100.0019, FID: 1.022) + +Traditional + +Desktop Hybrid + +Exterior + +Traditional Desktop Hybrid + +Exterior + +Traditional + +Exterior + +Traditional + +Traditional + +Container | Modular | On-Frame Modular +|Site Built | 3D Technology + +Container | Modular | On-Frame Modular +|Site Built | 3D Technology diff --git a/chunks/txt/dbd5fa93cf0729bc6b6046b10bad64fc4d89997d36acd73daa756c1d3ea8b228.txt b/chunks/txt/dbd5fa93cf0729bc6b6046b10bad64fc4d89997d36acd73daa756c1d3ea8b228.txt new file mode 100644 index 0000000000000000000000000000000000000000..91652389cf09a1dae237bf46d8cb758ffbbe6309 --- /dev/null +++ b/chunks/txt/dbd5fa93cf0729bc6b6046b10bad64fc4d89997d36acd73daa756c1d3ea8b228.txt @@ -0,0 +1,50 @@ +Indicates that the property has been listed +within the previous twelve (12) months. + +/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@ListedWithinP +reviousYearIndicator='Y'] + +Indicates that the property has been listed +within the previous twelve (12) months. + +/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@ListedWithinP +reviousYearIndicator='N'] + +The total number of continuous days from +the date that a property is listed or +advertised for sale through the date that it +is taken off the market or contracted for +sale. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D +ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEDaysOnMarketDescription + +String + +String + +String + +UAD Requirement - Refer to Appendix D Subject Section +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. +UAD Requirement - Refer to Appendix D Subject Section +This field contains the name of the lender. +This data is referenced more than once on the form (field 6-24) and must be +represented consistently to the extent the available space permits. The printed version +of this field must appear completely in this location on the form, but may be truncated +in the other locations. + +Boolean + +UAD Requirement - Refer to Appendix D Subject Section + +Boolean + +UAD Requirement - Refer to Appendix D Subject Section + +UAD Requirement - Refer to Appendix D Subject Section diff --git a/chunks/txt/dbda4ad90daadfa5f75f51ae78905040c369f38b74a8fdec7fd28f64cb8b3dc1.txt b/chunks/txt/dbda4ad90daadfa5f75f51ae78905040c369f38b74a8fdec7fd28f64cb8b3dc1.txt new file mode 100644 index 0000000000000000000000000000000000000000..1d2acea0f414f731284deaeb9ba723d3b06bad83 --- /dev/null +++ b/chunks/txt/dbda4ad90daadfa5f75f51ae78905040c369f38b74a8fdec7fd28f64cb8b3dc1.txt @@ -0,0 +1,37 @@ +a. The Field ID from Sample Closing Disclosures with Reference Numbers (available from each GSE’s UCD + +webpages) is a red number superimposed on the CD to identify field locations. The annotated CD provides a +cross reference from the UCD v2.0 Spec to the CD field. + +g. Bold black text is used for CD headings and field labels: Date Issued. + +h. Bold green text is used for data provided on the CD. + +CD fields that are not applicable to the data discussed in the I-Guide section are not included, so the CD example is not an +accurate representation of the physical form. For example, in the figure above, the first field illustrated under the heading is +1.6. Fields 1.1 – 1.5 of the CD are omitted. + +3. UCD V2.0 SPEC EXCERPTS + +A narrative introduction of and UCD v2.0 Spec excerpt including child containers, data points and acronyms as presented + +in the Spec follows the CD rendering example. + +UCD v2.0 Implementation Guide + +- 4 - + +Version 1.0 + +Uniform Closing Dataset + +II. I-Guide Format + +a. All in the Family + +MISMO containers are organized hierarchically. The indented format of the XML file reflects this organization. As you read +an XPath and move from a parent container from the top left down and all the way to the right, each child, grandchild and so +forth contain a greater level of detail about the parent. For example, we have the parent FEES. The child, FEE, also has +children—FEE_DETAIL, FEE_PAID_TO and FEE_PAYMENTS. The children, all at the same level hierarchically, are “siblings”. +The only way they are associated with one given fee is through their direct child relationships to FEE. They are said to be +“contained” in FEE or “associated by containment”. diff --git a/chunks/txt/dbf072549d1d08cfd52f729975bdd94d57201cf90eb37016a5b37a67dddbbb27.txt b/chunks/txt/dbf072549d1d08cfd52f729975bdd94d57201cf90eb37016a5b37a67dddbbb27.txt new file mode 100644 index 0000000000000000000000000000000000000000..39e1354e3d16b09418edfefad2f8a56779e2714d --- /dev/null +++ b/chunks/txt/dbf072549d1d08cfd52f729975bdd94d57201cf90eb37016a5b37a67dddbbb27.txt @@ -0,0 +1,80 @@ +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/@_PostalCode + +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/CONTACT_DETAIL/CONTACT_POI +NT[@_Type='Phone']/@_Value +/VALUATION_RESPONSE/PARTIES/SUPER +VISOR/CONTACT_DETAIL/CONTACT_POI +NT[@_Type='Email']/@_Value + +48 + +90 + +25 + +25 + +25 + +45 + +45 + +2 + +10 + +50 + +50 + +String + +This field contains the lender/client company name. This data is referenced +more than once on the form (refer to field 1-36) and must be represented +consistently, to the extent the available space permits. The printed version of +this field must appear completely in at least one location on the form, but may +be truncated in the other location. + +String + +This address information is treated differently from other address fields on the +appraisal form in order to accommodate lender requirements. + +String + +String + +String + +String + +String + +String + +String + +String + +String + +This is a free text field which should contain the supervisory appraiser's +company name. +Should conform to USPS (Pub 28). The following address elements should be +included in this field: +• Street number +• Street name (including applicable pre-directional indicator, suffix, and/or +post-directional indicator) +• Address unit designator and number (if applicable) +Should conform to USPS (Pub 28). The following address element should be +included in this field: +• City +Should conform to USPS (Pub 28). The following address element should be +included in this field: +• USPS two-letter state or territory representation +Should conform to USPS (Pub 28). The following address element should be +included in this field: +• 5-digit ZIP Code or ZIP+4 diff --git a/chunks/txt/dbf80ab2f21b8c0b9cb36c5798e12aaa6a5ac14068d97bab5fee78cce927df37.txt b/chunks/txt/dbf80ab2f21b8c0b9cb36c5798e12aaa6a5ac14068d97bab5fee78cce927df37.txt new file mode 100644 index 0000000000000000000000000000000000000000..54028ef2c0f5f2b98a19287f25a975f7195aa96a --- /dev/null +++ b/chunks/txt/dbf80ab2f21b8c0b9cb36c5798e12aaa6a5ac14068d97bab5fee78cce927df37.txt @@ -0,0 +1,38 @@ +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:7)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:8)(cid:24) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:7)(cid:23)(cid:31)(cid:32)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35) +(cid:3)(cid:28)(cid:27)(cid:32)(cid:30)(cid:15)(cid:17)(cid:32)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35) +(cid:10)(cid:15)(cid:25)(cid:19)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35) +(cid:8)(cid:19)(cid:32)(cid:35)(cid:1)(cid:18)(cid:24)(cid:33)(cid:31)(cid:32)(cid:26)(cid:19)(cid:27)(cid:32)(cid:35)(cid:11)(cid:28)(cid:32)(cid:15)(cid:25)(cid:35) +(cid:1)(cid:18)(cid:24)(cid:33)(cid:31)(cid:32)(cid:19)(cid:18)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)(cid:9)(cid:19)(cid:30)(cid:35)(cid:12)(cid:27)(cid:22)(cid:32)(cid:35) +(cid:1)(cid:18)(cid:24)(cid:33)(cid:31)(cid:32)(cid:19)(cid:18)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)(cid:9)(cid:19)(cid:30)(cid:35)(cid:2)(cid:19)(cid:18)(cid:30)(cid:28)(cid:28)(cid:26)(cid:35) +(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)(cid:9)(cid:19)(cid:30)(cid:35)(cid:5)(cid:30)(cid:28)(cid:31)(cid:31)(cid:35)(cid:2)(cid:33)(cid:22)(cid:25)(cid:18)(cid:22)(cid:27)(cid:20)(cid:35) +(cid:4)(cid:23)(cid:27)(cid:22)(cid:31)(cid:21)(cid:19)(cid:18)(cid:35)(cid:1)(cid:30)(cid:19)(cid:15)(cid:35) +(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35)(cid:9)(cid:19)(cid:30)(cid:35)(cid:4)(cid:22)(cid:27)(cid:22)(cid:31)(cid:21)(cid:19)(cid:18)(cid:35)(cid:1)(cid:30)(cid:19)(cid:15)(cid:35) +(cid:1)(cid:16)(cid:28)(cid:34)(cid:19)(cid:35)(cid:5)(cid:30)(cid:15)(cid:18)(cid:19)(cid:35) +(cid:1)(cid:18)(cid:24)(cid:33)(cid:31)(cid:32)(cid:19)(cid:18)(cid:35)(cid:9)(cid:30)(cid:22)(cid:17)(cid:19)(cid:35) +(cid:3)(cid:28)(cid:26)(cid:29)(cid:15)(cid:30)(cid:15)(cid:16)(cid:25)(cid:19)(cid:35)(cid:14)(cid:19)(cid:22)(cid:20)(cid:21)(cid:32)(cid:35) diff --git a/chunks/txt/dbfd1ddb937fa932ce89c9252de5384129885c3f15ef77e148e5dfe0f0da38a4.txt b/chunks/txt/dbfd1ddb937fa932ce89c9252de5384129885c3f15ef77e148e5dfe0f0da38a4.txt new file mode 100644 index 0000000000000000000000000000000000000000..fba33bc253ec929117b0d5b3f0f7ace93e7b91f0 --- /dev/null +++ b/chunks/txt/dbfd1ddb937fa932ce89c9252de5384129885c3f15ef77e148e5dfe0f0da38a4.txt @@ -0,0 +1,124 @@ +Subject Property +• + +Project Legal +Structure 3.011 +3.012 3.013 + +Project Information +• + +Project Name +18.004 + +No + +Property in a PUD: Indicates whether the property is in a PUD. + +No + +No + +Property in a Project +• +• + +Yes (the property is in a condominium, cooperative, or condop) +No (the property is not in a condominium, cooperative, or condop) + +Project Legal Structure +• +• +• + +Condominium +Cooperative +Condop + +No + +Project Name +Provides support for the Project Information adjustment (22.02.05). + +Yes | No + +Required if the subject +and comparable are in +a condo, co-op, or +condop + +Same Project as Subject +is only applicable to +comparables + +No + +Same Project as Subject +Provides support for the Project Information adjustment (22.02.05). + +22.02.02 +22.02.07 + +Monthly Fee + +If relevant + +22.02.03 +22.02.08 + +Common +Amenities/Ser +vices + +If relevant + +Required if the +comparable is in a +condo, co-op, condop, +or PUD, and the row is +included in the sales +comparison grid + +Required if the +comparable is in a +condo, co-op, condop, +or PUD, and the row is +included in the sales +comparison grid + +Dollar amount + +Project Information +• Mandatory + +Monthly Fees +18.011 + +No + +Mandatory Monthly Fees: The combined dollar amount of all the +mandatory fees, expressed as a monthly amount. +When included, provides support for the Project Information adjustment +(22.02.05). + +Choose one or +more allowable +answers from +18.012 + +Project Information +• +Common +Amenities / +Services 18.012 + +No + +When included, provides support for the Project Information adjustment +(22.02.05). + +Appendix F-1: URAR Reference Guide + +Page 226 of 375 + +Version 1.3 diff --git a/chunks/txt/dbff195816e7ae69bb3738a1ea27a0cdaf10f30fa8f748c1855618d364a6a122.txt b/chunks/txt/dbff195816e7ae69bb3738a1ea27a0cdaf10f30fa8f748c1855618d364a6a122.txt new file mode 100644 index 0000000000000000000000000000000000000000..7068be00f89bf0c720bc40e3fcd1d80aa45405fb --- /dev/null +++ b/chunks/txt/dbff195816e7ae69bb3738a1ea27a0cdaf10f30fa8f748c1855618d364a6a122.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/research" +date_accessed: "2026-01-27T17:54:20.620Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/dc06be5a29d4fdde889ea7a1e49d07a3473d72f5fe714c235728b4bbb39f705e.txt b/chunks/txt/dc06be5a29d4fdde889ea7a1e49d07a3473d72f5fe714c235728b4bbb39f705e.txt new file mode 100644 index 0000000000000000000000000000000000000000..2467a9e3cddedc67dda0820ebf025ecc26f368c2 --- /dev/null +++ b/chunks/txt/dc06be5a29d4fdde889ea7a1e49d07a3473d72f5fe714c235728b4bbb39f705e.txt @@ -0,0 +1,115 @@ +ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts. Reference Appendix 4: Detached Garage Examples for +more information and examples of outbuildings that include garage areas. + +Outbuilding information repeats if the subject or any comparable has multiple outbuildings. When there are multiple outbuildings, align like-to-like +Outbuilding Types when possible. + +Appendix F-1: URAR Reference Guide + +Page 269 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +Not on +Report + +22.14.01 +22.14.14 +22.14.15 + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Outbuilding + +This is an +appraiser +input that +does not +display in the +sales grid + +Outbuilding +Type + +N/A + +Always required + +Yes + +Outbuilding +• + +Considered Real +Property 12.002 + +No + +Outbuilding Considered Real Property: Indicates whether the outbuilding +is considered real property (e.g., permanently affixed to the land). + +Note: Only outbuildings that are considered real property are displayed +in the sales grid. + +When the +subject or any +comparable +has +outbuilding(s) +that are not +standalone +ADUs or +ADU/Garages + +Always required + +Choose an +allowable answer +from 12.001 + +Outbuilding +• + +Outbuilding Type +12.001 + +Yes +22.14.15 + +Any adjustment for the outbuilding is made in this row, to support +conclusions based on market support. + +Notes: +• + +• + +Standalone ADUs that are not manufactured homes are reported +in the Unit(s) subsection and do not display in the Outbuilding +subsection. +If the outbuilding contains an ADU, Outbuilding Type redisplays +from Location of ADU (22.07.02, 22.07.18, 22.10.01, 22.10.16). diff --git a/chunks/txt/dc0aef824d0abc1aa4d4cbe2781f50c5e65f4dbece7d60890bb4b49e19948d98.txt b/chunks/txt/dc0aef824d0abc1aa4d4cbe2781f50c5e65f4dbece7d60890bb4b49e19948d98.txt new file mode 100644 index 0000000000000000000000000000000000000000..a8703f01ea7d1737c2dbec4872686a185118fec3 --- /dev/null +++ b/chunks/txt/dc0aef824d0abc1aa4d4cbe2781f50c5e65f4dbece7d60890bb4b49e19948d98.txt @@ -0,0 +1,57 @@ +3. CHOICE GROUP: INDIVIDUAL VS. LEGAL_ENTITY + +For each service provider participating in the transaction, the GSEs require identification of the company (LEGAL_ENTITY) +and their employee (INDIVIDUAL). This means that all PARTY containers under DEAL that do not have a PartyRoleType of +“Borrower” or “PropertySeller” must be delivered in pairs with the same PartyRoleType enumeration—one with INDIVIDUAL +information and one with LEGAL_ENTITY information. Figure 111 shows the same PARTYs illustrated above, except this time, +two PARTY containers are shown for each service provider, one with an XPath including “…/PARTY/INDIVIDUAL” and the +partner “…./PARTY/LEGAL_ENTITY”. + +Figure 111. Parties to the Transaction - INDIVIDUAL and LEGAL_ENTITY. + +Required in All Files + +Include with Purchase + +Include in All Files when +Applicable + +Borrower + +Property Seller + +Note Pay To - INDIVIDUAL + +Note Pay To - LEGAL_ENTITY + +Closing Agent - INDIVIDUAL + +Closing Agent - +LEGAL_ENTITY + +Listing Real Estate Agent - +INDIVIDUAL + +Listing Real Estate Agent - +LEGAL_ENTITY + +Selling Real Estate Agent - +INDIVIDUAL + +Selling Real Estate Agent - +LEGAL_ENTITY + +Mortgage Broker - +INDIVIDUAL + +Mortgage Broker - +LEGAL_ENTITY + +4. REMOVAL OF SEQUENCE NUMBER AND XLINK FUNCTION + +Before UCD v2.0, the organization and individual contact were linked to each other by the XML xlink function. Each +PARTY/ROLE was qualified with the attributes SequenceNumber and xlink:label. A partnering instance of RELATIONSHIP with +the attributes SequenceNumber, xlink:from, xlink:to and xlink:arcrole defined the connections using the ROLE xlink:label +values. Specs prior to UCD v2.0 assigned specific values to the SequenceNumber and xlink attributes to enable the GSEs’ +receiving applications to unambiguously identify the PARTYs represented by those values. This hard-coded “belt and +suspenders” approach misused SequenceNumber and imposed unnecessarily rigid requirement for the values of xlink:label. diff --git a/chunks/txt/dc124df1d4230ec01426f4d2aa48f5b17e8e5165d44ab296e0671ae4dd3c453b.txt b/chunks/txt/dc124df1d4230ec01426f4d2aa48f5b17e8e5165d44ab296e0671ae4dd3c453b.txt new file mode 100644 index 0000000000000000000000000000000000000000..61d48ab6fe9df882e9f4246516b6aa58dd68d6d2 --- /dev/null +++ b/chunks/txt/dc124df1d4230ec01426f4d2aa48f5b17e8e5165d44ab296e0671ae4dd3c453b.txt @@ -0,0 +1,285 @@ +EnergyEfficientAndGreenFeatures + +10000 + +LivingUnitBedroomCount + +10000 + +LivingUnitBathroomCount + +-10300 + +LivingUnitStandardFinishedAreaAboveGrade + +26000 + +LivingUnitStandardFinishedAreaBelowGrade + +-13940 + +LivingUnitUnfinishedAreaBelowGrade + +-5000 + +OverallConditionRating + +6000 + +OutdoorLivingAmenity + +6000 + +MiscellaneousAmenity + +490760 + +North + +Most + +false + +141 + +1 + +0.17 + +30760 + +false + +true + +Dwelling + +2004 + +false + +Flooring + +NotUpdated + +1624 + +3260 + +0 + +false + +4 + +2 + +1 + +C4 + +Q4 + +Kitchen + +PartiallyUpdated + +Colonial + +Vinyl + +ExteriorWallsAndTrim + +Composition + +Roof + +C4 + +Q4 + +1 + +Centralized + +NaturalGas + +ForcedWarmAir + +PropertyPhoto + +\\Images\SF1_Comp1.png + +image/png + +12 + +460000 + +SettledSale + +25.165172 + +-51.328126 + +Sunnyside + +Patio + +Deck + +OutdoorLiving + +0 + +Detached + +1 + +true + +1 + +C4 + +Q4 + +true + +true + +FeeSimple + +false + +false + +true + +true + +2019-07-22 + +8500 + +2019-08-17 + +460000 + +Sale + +2018-09-01 + +430000 + +Sale + +TypicallyMotivated + +None + +false + +Topography + +Rolling + +Residential + +17886 + +Full + +Residential + +188 Fallen Oak Ct + +Treeville + +12345 + +VA + +Driveway + +Asphalt + +2 + +false + +BuiltIn + +Garage + +2 + +Walk Up + +Below Grade Exterior Access + +2000 + +SalesComparableAdditionalAdjustableComparisonItem + +0 + +SiteSize + +0 + +SalesConcessions + +5000 + +SiteInfluence + +0 + +ContractDate + +0 + +EnergyEfficientAndGreenFeatures + +10000 + +LivingUnitBedroomCount + +5000 + +LivingUnitBathroomCount + +7900 + +LivingUnitStandardFinishedAreaAboveGrade + +2000 + +LivingUnitStandardFinishedAreaBelowGrade + +1640 + +LivingUnitUnfinishedAreaBelowGrade + +-1000 + +OverallConditionRating + +2000 + +OutdoorLivingAmenity + +6000 + +MiscellaneousAmenity + +490540 + +North + +Most + +false + +160 diff --git a/chunks/txt/dc13b68318c30f617e46da9a5c69c6664e37ffe30189db2ee79443035266acba.txt b/chunks/txt/dc13b68318c30f617e46da9a5c69c6664e37ffe30189db2ee79443035266acba.txt new file mode 100644 index 0000000000000000000000000000000000000000..b3429c9e804fe8bb24e7b03830747504c853bd5f --- /dev/null +++ b/chunks/txt/dc13b68318c30f617e46da9a5c69c6664e37ffe30189db2ee79443035266acba.txt @@ -0,0 +1,29 @@ +[**Enterprise Multifamily Public Use Database Dashboard**](/data/dashboard/enterprise-multifamily-public-use-database) + +[**Enterprise Multifamily Public Use Database**](/data/pudb) + +### + +The Federal Housing Finance Agency regulates Fannie Mae, Freddie Mac, and the 11 Federal Home Loan Banks. These government-sponsored enterprises provide more than $8.4 trillion in funding for the U.S. mortgage markets and financial institutions. Additional information is available at[www.FHFA.gov](https://www.fhfa.gov/), on Twitter [@FHFA](https://twitter.com/FHFA), [YouTube](https://www.youtube.com/c/fhfachannel), [Facebook,](https://www.facebook.com/FHFA) and [LinkedIn](https://www.linkedin.com/company/fhfa). + +**Contacts:** [MediaInq​uiries@FHFA.gov](mailto:MediaInquiries@FHFA.gov) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/dc1870acd90b6dba51ab87c385b714188b7436e57d2ab9a434f745959bd5904a.txt b/chunks/txt/dc1870acd90b6dba51ab87c385b714188b7436e57d2ab9a434f745959bd5904a.txt new file mode 100644 index 0000000000000000000000000000000000000000..7bd9f583fe58a86e4aaf73a01ae8e8a0fb71e690 --- /dev/null +++ b/chunks/txt/dc1870acd90b6dba51ab87c385b714188b7436e57d2ab9a434f745959bd5904a.txt @@ -0,0 +1,59 @@ +Display when @ValuationUseType = “SubjectProperty” AND +CostApproachIndicator = “true” AND DataSourceType = “CostService” + +Display when @ValuationUseType = “SubjectProperty” AND +CostApproachIndicator = “true” AND DataSourceType = “CostService” + +Display when @ValuationUseType = “SubjectProperty” AND +CostApproachIndicator = “true” AND (DataSourceType = +“BuilderOrDeveloper” OR “CostService” OR “CostSurvey” OR “Other”) + +25.055 + +Cost Method + +1100.0025 + +CostMethodType + +25.056 + +Depreciation Method + +1100.0028 + +DepreciationMethodType + +Display when CostApproachIndicator = “true” + +Display when CostApproachIndicator = “true” + +Figure 25 - 6 + +Cost Approach Commentary + +The Cost Approach Commentary subsection displays only when comments are provided. Any commentary must use +CostAnalysisCommentDescription (UID: 1100.0023, FID: 25.057) + +Cost Approach Exhibits + +The Cost Approach Exhibits subsection displays only when images are provided. All text must display above the image in bold font. + +Appendix B-1: URAR Implementation Guide v1.3 + +Map of Land Comparable + +A map showing the subject property and land comparables may be provided and is delivered in the instance of PROPERTY where +@ValuationUseType (UID: 0100.0043, FID: Not on report) = “SubjectProperty”. + +• When provided, the map must be delivered using ImageCategoryType (UID: 1400.0638, FID: 25.59.1) = “LandComparableMap” + +and displays with the caption “Map of Land Comparables”. + +Page 340 + +Additional Exhibits + +• Any additional images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 25.058.1) = + +“CostApproachExhibit”. diff --git a/chunks/txt/dc19b9bae761a201be8f9ee0b82098a9713215df439e38a67c407b5aea9c2a59.txt b/chunks/txt/dc19b9bae761a201be8f9ee0b82098a9713215df439e38a67c407b5aea9c2a59.txt new file mode 100644 index 0000000000000000000000000000000000000000..1d49f70e6a62019df7a6fa47c2179326461a20b9 --- /dev/null +++ b/chunks/txt/dc19b9bae761a201be8f9ee0b82098a9713215df439e38a67c407b5aea9c2a59.txt @@ -0,0 +1,23 @@ +Lender +Settlement Agent +As applicable: Mortgage Broker + +24.0 + +Confirm Receipt + +N/A for UCD v2.0 + +N/A for UCD v2.0 + +25.0 + +Payoffs and Payments Table (K) + +✓ + +UCD v2.0 Implementation Guide + +- 156 - + +Version 1.0 diff --git a/chunks/txt/dc210e628d488784cc021c7d07a0d451d997d91c18520bb249dde1e1bc911bac.txt b/chunks/txt/dc210e628d488784cc021c7d07a0d451d997d91c18520bb249dde1e1bc911bac.txt new file mode 100644 index 0000000000000000000000000000000000000000..5aa8ce7dcfb010d489ab830b3be7afb2409009bd --- /dev/null +++ b/chunks/txt/dc210e628d488784cc021c7d07a0d451d997d91c18520bb249dde1e1bc911bac.txt @@ -0,0 +1,17 @@ +Business-to-Business Direct Integration (DI) + +**Q15. How will the direct integration response be structured?** + +The lender feedback response will be provided in a structured XML file for each UCD file submitted. The structured XML response will also include an embedded HTML document of the UCD Findings Report. Please contact Fannie Mae’s Integration Team for more details on this process. + +UCD Findings Report + +**Q16. What is meant by ‘Warning-to-Fatal’ in the severity column of the UCD Findings Report?** + +As of August 6, 2020, Fannie Mae introduced a new severity category of ‘Warning-to-Fatal’. If you receive an edit with this new category, it means that the edit is a part of the UCD Critical Edit Phase 2 list of requirements. This does not indicate a different severity from ‘Warning’ but, provides an indication of the next Fatal Transition Phase. + +**NOTE**: *As we move forward with other phases, this severity category will be an indication of one of the next phases.* + +**Q17. Will there be common UCD response file data and messaging between the GSEs?** + +No. Because Fannie Mae and Freddie Mac each have their own proprietary collection platform, the response files are different. In addition, each GSE has established their own proprietary business rules to generate edit feedback messages on the submitted UCD files. Fannie Mae will provide an Upload Summary Report for all individual and batch UCD file submissions and will also provide a Findings Report for each UCD file that was successfully uploaded. Refer to the [UCD Feedback Messages](/media/document/xlsx/ucd-feedback-messages) for details. diff --git a/chunks/txt/dc2b601043b9ed3d9f85a4537f3de983de15226cd60b80be0a0969db84780f5e.txt b/chunks/txt/dc2b601043b9ed3d9f85a4537f3de983de15226cd60b80be0a0969db84780f5e.txt new file mode 100644 index 0000000000000000000000000000000000000000..b860f3f191ae63fd686048b764367a5e6c7cb8a8 --- /dev/null +++ b/chunks/txt/dc2b601043b9ed3d9f85a4537f3de983de15226cd60b80be0a0969db84780f5e.txt @@ -0,0 +1,14 @@ +Image + +![Language Access Multi-Year Plan May 2018 thumbnail](/sites/default/files/styles/large/public/2023-04/LEP-Multi-Year-Plan%20%281%29.png?itok=7V1KeNAI) + +[**View the Plan**](/sites/default/files/2023-03/lep-multi-year-plan.pdf) + +In addition, as part of Fannie Mae and Freddie Mac's URLA announcement in August 2019, a voluntary consumer information form (VCIF) was developed for lenders to collect preferred language information should they choose to do so. + +**2016 - 2017 Language Access Activities of FHFA and the Enterprises** + FHFA's [*2017 Scorecard for Fannie Mae, Freddie Mac, and Common Securitization Solutions*](/sites/default/files/2023-03/2017-Scorecard-for-Fannie-Mae-Freddie-Mac-and-CSS.pdf) required the Enterprises to identify major obstacles for LEP borrowers in accessing mortgage credit, analyze potential solutions, and develop a multi-year plan to support improved access. + +As part of this research, in May 2017 FHFA requested [public input](/news/news-release/fhfa-issues-request-for-input-to-improve-access-to-credit-for-qualified-mortgage-borrowers-with) on issues faced by LEP borrowers throughout the mortgage life cycle to better understand the experiences of these borrowers and the mortgage industry participants who serve them. FHFA and the Enterprises also conducted outreach to industry and consumer groups on these issues. + +The Enterprises conducted interviews and focus groups with borrowers whose primary language was not English and with lenders and servicers. These interviews and focus groups examined how limited English proficient borrowers engage in the mortgage process and how lenders and servicers engage with them. Each round of testing was conducted by Kleimann Communication Group on behalf of the Enterprises. Results from these interviews and focus groups are detailed in [Kleimann's April 2017 report](/sites/default/files/2023-04/Borrower-Language-Access-Final-Report-June-2017.pdf). diff --git a/chunks/txt/dc44b06472d0971b70c306ef831dec5ffbc0d8f6a70decbd3ceaa4f176ade1b1.txt b/chunks/txt/dc44b06472d0971b70c306ef831dec5ffbc0d8f6a70decbd3ceaa4f176ade1b1.txt new file mode 100644 index 0000000000000000000000000000000000000000..60625760b095bfb5bb9080f89cf54715c2bf68b3 --- /dev/null +++ b/chunks/txt/dc44b06472d0971b70c306ef831dec5ffbc0d8f6a70decbd3ceaa4f176ade1b1.txt @@ -0,0 +1,5 @@ +Additional Properties Analyzed Not Used ................................................................................................................................................................................ 294 + +Sales Comparison Map ............................................................................................................................................................................................................. 295 + +Sales Comparison Approach Exhibits ....................................................................................................................................................................................... 295 diff --git a/chunks/txt/dc47b19e22f8487068ad7cf00624f7426f6d7b1a9e18868c2a04bc3d84a9391d.txt b/chunks/txt/dc47b19e22f8487068ad7cf00624f7426f6d7b1a9e18868c2a04bc3d84a9391d.txt new file mode 100644 index 0000000000000000000000000000000000000000..a2a753d643a0442caf5506f895aa1be3fb74d805 --- /dev/null +++ b/chunks/txt/dc47b19e22f8487068ad7cf00624f7426f6d7b1a9e18868c2a04bc3d84a9391d.txt @@ -0,0 +1,19 @@ +ABC123 + +ValuationSoftwareVendor + +AD43201 + +ManagementCompany + +284000 + +Recent sales for vacant and unimproved lots within the subject's market area were analyzed to determine the opinion of site value for the subject. Six sales were identified in the subject's zip code that ranged in lot size from 7.3 acres to 21.2 acres with sale prices ranging from $175,000 to $315,000. The comparable sales selected all have RA-10 zoning (same as subject), were the most proximate sales that were similar in site size to the subject and sold for $19,000 to $22,000 per acre (rounded). The opinion of value for the subject's site was reconciled at $20,000 (rounded) per acre. + +SalesComparison + +NotNecessaryForCredibleResults + +NotNecessaryForCredibleResults + +The subject and comparables are located within a market area that has a rural nature while being within 40 miles commuting distance to the Northern Virginia and Washington, DC metropolitan and suburban area business and government centers. Within this market segment larger lots with pastoral views and accessory structures and outbuildings are typical. However, sales of properties with accessory dwelling units, while not uncommon, can be difficult to identify as the units are often not advertised as separate living areas. Comparables #1 and #2 are given greatest consideration as they contain accessory dwelling units that are located within the main dwelling but are otherwise similar to the subject's accessory unit. Comparables #1 and #2 are also similar to the subject in age and Comparable #2 is most similar to the subject in level and quality of updates. Comparable #3 has a garage, an ADU, and a seperate studio. The ADU shares a common wall with the garage. However, Comparable #3 receives least consideration as it is an older farmhouse that has been gut renovated, including foundation work to upgrade and provide additional support. The renovation was completed with a high level of quality and craftsmanship while maintaining vintage characteristics (e.g., random width wood flooring and trim that has been restored and refinished) which may appeal to a different buyer pool than houses of the subject and comparable #1 and #2's vintage. diff --git a/chunks/txt/dc4899b505f0bea980798398feb33a54e17092ec4eb6280297a46064a4abcfbd.txt b/chunks/txt/dc4899b505f0bea980798398feb33a54e17092ec4eb6280297a46064a4abcfbd.txt new file mode 100644 index 0000000000000000000000000000000000000000..33cd494249c3801db86cf8e7ab4dcbecc714bd7f --- /dev/null +++ b/chunks/txt/dc4899b505f0bea980798398feb33a54e17092ec4eb6280297a46064a4abcfbd.txt @@ -0,0 +1,5 @@ +© 2024 Fannie Mae. + +5.29.24 + +2 of 2 diff --git a/chunks/txt/dc4e34fdd2eea9611fd31d76b36cd9a7ee1a3388243dd9487a197f6b21e325a7.txt b/chunks/txt/dc4e34fdd2eea9611fd31d76b36cd9a7ee1a3388243dd9487a197f6b21e325a7.txt new file mode 100644 index 0000000000000000000000000000000000000000..fa9224fc8df3b98a1da7de2e8c8ab4aa4119b665 --- /dev/null +++ b/chunks/txt/dc4e34fdd2eea9611fd31d76b36cd9a7ee1a3388243dd9487a197f6b21e325a7.txt @@ -0,0 +1,32 @@ + + +An example of a LIABILITY container associated with the ASSET is shown here. Please remember that +this LIABILITY container should be associated with a borrower using an ArcRole. + +Should one of the Present Housing Expenses be Rent, it must be expressed using the LANDLORD_DETAIL +and RESIDENCE_DETAIL containers. The value of +BorrowerResidencyBasisType must be “Rent” in RESIDENCE_DETAIL as shown here. + +4 + +Covering these areas of the file will ensure that all Present Housing Expenses are included in any DU +calculations that require this data. + +5. Where is concurrent financing from section “4b. Other New Mortgage Loans on the Property You + +are Buying or Refinancing” found in the DU Spec? + +Concurrent or subordinate financing data is identified in the DU Spec by filtering on the column +LoanRoleType = “RelatedLoan”. There are 8 data points with LoanRoleType = “Related Loan”, six of +which are displayed on the URLA form and two of the Related Loan data points, FundsSourceType and +FundSourceTypeOtherDescription. are not on the form. + +6. What data points does DU use for Purchase Credits? Why do they appear in two different + +sections of the URLA? + +The Purchase Credit data points are: PurchaseCreditType (UID 5.0244), PurchaseCreditAmount (UID +5.0245), PurchaseCreditTypeOtherDescription (UID 17.0024), PurchaseCreditSourceType (UID 5.0270), +and PurchaseCreditSourceTypeOtherDescription (UID 5.0271). The DU Spec includes the supported +enumerations for each data point. diff --git a/chunks/txt/dc5086209f4a9825ce90920913b984557eb5a3373c583f55114c40fb1ab12443.txt b/chunks/txt/dc5086209f4a9825ce90920913b984557eb5a3373c583f55114c40fb1ab12443.txt new file mode 100644 index 0000000000000000000000000000000000000000..ee9358397206c0eaaf8fc6d7ea3815978fb8fc95 --- /dev/null +++ b/chunks/txt/dc5086209f4a9825ce90920913b984557eb5a3373c583f55114c40fb1ab12443.txt @@ -0,0 +1,143 @@ +Level and Room Detail + +864 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Assessor Record +Physical Measurement + +Levels in Unit +Occupancy +Utilities Separately Metered +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +1 +Tenant +Yes +2 +1 +0 + +Level in Unit +Level 1 + +Grade Level Detail +Above Grade + +Finish +Finished + +Area +864 Sq. Ft. + +Room Summary +1 - Bath - Full +2 - Bedroom +1 - Kitchen +1 - Living Room + +Quality and Condition + +Interior Quality Rating + +Q5 + +Interior Condition Rating + +C4 + +The tables below support the Interior Quality and Interior Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Update Status +Not Updated + +Time Frame + +Partially Updated + +5–10 years + +Quality Comment +The stove is fully +functional but +considered outdated, +undersized and does +not meet current +standards in the market. + +Basic quality cabinetry +and fixtures + +Condition Status +Damaged and +Functional + +Typical Wear and Tear + +Condition Comment +Some cabinet hardware +and cabinet fronts +missing exhibiting +moderate wear and +tear. + +Newer laminate floor +installed. Some cabinet +hardware missing. + +Check #A + +Overall Update Status for +Bathrooms + +Moderately Updated + +Interior Features + +Feature +Flooring + +Walls and Ceiling + +Detail +Carpet + +Laminate + +8 Ft. | Flat + +Quality Comment +Commercial grade carpeting + +Condition Status +New or Like New + +Condition Comment +Add comment if needed. + +Add comment if needed. + +New or Like New + +Add comment if needed. + +Add comment if needed. + +Typical Wear and Tear + +Paint shows wear, needs to +be updated. + +Check #A diff --git a/chunks/txt/dc54f06abb7109a69d0cff96f4b7b10592855ed6f9d00a9d710a7582895a76c2.txt b/chunks/txt/dc54f06abb7109a69d0cff96f4b7b10592855ed6f9d00a9d710a7582895a76c2.txt new file mode 100644 index 0000000000000000000000000000000000000000..b33f84d474f24961dd2cf31811e4ca37fc06eccb --- /dev/null +++ b/chunks/txt/dc54f06abb7109a69d0cff96f4b7b10592855ed6f9d00a9d710a7582895a76c2.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/annual-report-to-congress" +date_accessed: "2026-01-27T17:54:20.646Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/dc66ae96c662bc6684d0e66a872ab88f0fd3fa71ec2d19e451cb021b28c02a02.txt b/chunks/txt/dc66ae96c662bc6684d0e66a872ab88f0fd3fa71ec2d19e451cb021b28c02a02.txt new file mode 100644 index 0000000000000000000000000000000000000000..4deca89cce1ea8d503e85791979f0fa409a58d62 --- /dev/null +++ b/chunks/txt/dc66ae96c662bc6684d0e66a872ab88f0fd3fa71ec2d19e451cb021b28c02a02.txt @@ -0,0 +1,41 @@ +If any one of the above conditions was not met or an eligible loan term was modified subsequent to the last DU submission, the +lender must + +• obtain updated income, employment, and credit report documents no more than four months prior to conversion; and +• + +re-qualify the borrower(s) in accordance with the Requalification Requirements below. + +Updated asset documentation is not required at the time of conversion to permanent financing (regardless of the age of asset +documents) unless upon requalification, either of the following applies: + +• more reserves are required than were required at the time of original qualification + +o + +the full amount of reserves must then be reverified, or + +• + +the borrower chooses to bring additional funds to the transaction + +o + +the additional funds must come from an eligible source and be documented. + +Impact on Validation through the DU Validation Service + +If updated credit documents are required to be obtained after the original closing of the construction loan, any validation of +income, employment, or assets is no longer applicable. Updated validation reports must be obtained, and the loan casefile +resubmitted to DU, and the loan must convert to permanent financing by the Close By Date stated in the DU validation message in +order for validation and the associated waiver of enforcement relief of representations and warranties to apply. + +See Selling Guide B1-1-03, Allowable Age of Credit Documents and Federal Income Tax Returns for additional information. + +Age of Appraisal Documents + +For all single-closing transactions, the effective date of the appraisal report must be no more than four months prior to the note +date (that is, the closing date of the construction loan). At the time of completion of construction, a Restricted Appraisal Update +Report and Completion Report must be completed. If the appraiser indicates on the Restricted Appraisal Update Report that the +property value has declined, then the lender must obtain a new appraisal for the property and requalify the borrower using the +updated LTV ratio per the Requalification Requirements below. diff --git a/chunks/txt/dc76950c4bc5e319aee75911db1ec08156dcb2ec69248da5c3f3f4a4e789b579.txt b/chunks/txt/dc76950c4bc5e319aee75911db1ec08156dcb2ec69248da5c3f3f4a4e789b579.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd656b0ce09b5ab60768168773224429f6e3a1e5 --- /dev/null +++ b/chunks/txt/dc76950c4bc5e319aee75911db1ec08156dcb2ec69248da5c3f3f4a4e789b579.txt @@ -0,0 +1,3 @@ +Purpose .................................................................................................................................................................................................................................................................................................. 3 + +Typical Properties ................................................................................................................................................................................................................................................................................... 3 diff --git a/chunks/txt/dc80679e367c00dfdf04c5b6fcccc5ed64e8df72b9274352a3459b03f98a5f72.txt b/chunks/txt/dc80679e367c00dfdf04c5b6fcccc5ed64e8df72b9274352a3459b03f98a5f72.txt new file mode 100644 index 0000000000000000000000000000000000000000..b325b9aeee3f85e7ebfbe321249067aed5a5466a --- /dev/null +++ b/chunks/txt/dc80679e367c00dfdf04c5b6fcccc5ed64e8df72b9274352a3459b03f98a5f72.txt @@ -0,0 +1,31 @@ +[View More](/data/dashboard/uad-aggregate-statistics-dashboard-portal) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/dc9e3dcc3fcd85b9d9bcb7b5acf70a6bf37e78e3eb564728b2448da22470d1d8.txt b/chunks/txt/dc9e3dcc3fcd85b9d9bcb7b5acf70a6bf37e78e3eb564728b2448da22470d1d8.txt new file mode 100644 index 0000000000000000000000000000000000000000..8edfa35fa8ba398bda83633eeb82497964f880bd --- /dev/null +++ b/chunks/txt/dc9e3dcc3fcd85b9d9bcb7b5acf70a6bf37e78e3eb564728b2448da22470d1d8.txt @@ -0,0 +1,11 @@ +As required by the Integration Agreement, integrated vendors’ systems must be able to support any changes to Fannie Mae +services, including DU, no later than 120 days after the date the related specifications are made available. If your product or +interface is unable to support the release in accordance with this timeline, please notify your Fannie Mae representative. + +If you have questions about the integration impact or if you require support specific to this release, contact your Technology +Integration Analyst or Integration Support. For more information about DU, visit the DU webpage or contact your Fannie Mae +representative. + +© 2025 Fannie Mae 8.8.25 + +4 of 4 diff --git a/chunks/txt/dcb43d494479b6fc0de99ab53c04e9d3fc5b0cfdb55601da355c754b5ebd44be.txt b/chunks/txt/dcb43d494479b6fc0de99ab53c04e9d3fc5b0cfdb55601da355c754b5ebd44be.txt new file mode 100644 index 0000000000000000000000000000000000000000..b3b6736092b6f7e6374464cab4c4d7f8d5fb491e --- /dev/null +++ b/chunks/txt/dcb43d494479b6fc0de99ab53c04e9d3fc5b0cfdb55601da355c754b5ebd44be.txt @@ -0,0 +1,38 @@ +• Total - SiteOtherImprovementsAsIsAmount (UID: 1100.0032, FID: 25.003, 25.039) + +o Calculated: The sum of all SiteImprovementAsIsCostAmount (UID: 1100.0035, FID: 25.038) +o Cannot be delivered as zero. + +Appendix B-1: URAR Implementation Guide v1.3 + +Figure 25 - 4 + +Page 336 + +Site Value + +The Site Value subsection displays when CostApproachIndicator (UID: 1000.0027, FID: Not on report) = “true”. When this subsection displays, +Opinion of Site Value – SiteEstimatedValueAmount (UID: 1100.0030, FID: 25.004, 25.041) and Primary Site Valuation Method – +SiteValuationMethodType (UID: 1100.0033, FID: 25.040) are required. + +Opinion of Site Value – SiteEstimatedValueAmount (UID: 1100.0030, FID: 25.004, 25.041) displays even if the value is zero. + +When Primary Site Valuation Method – SiteValuationMethodType (UID: 1100.0033, FID: 25.040) = “SalesComparison” AND +@ValuationUseType = “LandComparable” then the following displays for each comparable (Figure 25 - 5): + +• Address or APN must be provided. If both are provided, both should be delivered in the data and displayed on the report. + +Appendix B-1: URAR Implementation Guide v1.3 + +o When Assessor Parcel Number (APN) - ParcelIdentifier (UID: 1100.0017, FID: 25.046) is null, Address is required. + +Page 337 + +▪ # - PropertyOrdinalNumber (UID: 1100.0015, FID: 25.042) +▪ Address - AddressLineText (UID: 1100.0005, FID: 25.043) +▪ Address - CityName (UID: 1100.0007, FID: 25.043) +▪ Address - PostalCode (UID: 1100.0009, FID: 25.043) +▪ Address - StateCode (UID: 1100.0010, FID: 25.043) +▪ County - CountyName (UID: 1100.0008, FID: 25.044) + +o When Address - AddressLineText (UID: 1100.0005, FID: 25.043) is null, Assessor Parcel Number (APN) is required. diff --git a/chunks/txt/dcb461b0f4ccc0e3e3ce4c816d05c8ac0ddae418d7bfd7c8a44703fad10448a6.txt b/chunks/txt/dcb461b0f4ccc0e3e3ce4c816d05c8ac0ddae418d7bfd7c8a44703fad10448a6.txt new file mode 100644 index 0000000000000000000000000000000000000000..61572fd0adcdc4b0424f014ac1dbbce5e049ad40 --- /dev/null +++ b/chunks/txt/dcb461b0f4ccc0e3e3ce4c816d05c8ac0ddae418d7bfd7c8a44703fad10448a6.txt @@ -0,0 +1,128 @@ +Apparent Defects, Damages, Deficiencies (Unit Interior) + +Report +Field ID + +Report Label + +When to Include + +10.056 + +Feature + +Required for each +defect, damage, or +deficiency + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Flooring + +• +• Walls and Ceiling +• +Other (Describe) + +Note: Photos or images must be provided for each physical defect, damage, or +deficiency. These display in Unit Interior Exhibits as “Apparent Defects, +Damages, Deficiencies” with the indicated Feature. An additional caption may +be provided. + +10.057 + +Location + +Required for each +defect, damage, or +deficiency + +10.058 Description + +Required for each +defect, damage, or +deficiency + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +• +• +• +• + +Full Bathroom +Half Bathroom +Kitchen +Other (Describe) – Briefly describe the location of the defect, damage, or +deficiency. Example: Dining room, living room. + +Free-form + +Description of the defect, damage, or deficiency. + +Appendix F-1: URAR Reference Guide + +Page 146 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +10 Unit Interior + +Apparent Defects, Damages, Deficiencies (Unit Interior) + +Report +Field ID + +Report Label + +When to Include + +10.059 Affects + +Soundness or +Structural +Integrity + +10.060 Recommended +Action + +Required for each +defect, damage, or +deficiency + +Required for each +defect, damage, or +deficiency + +Allowable +Answers / Format + +Yes | No + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Unit Interior Commentary + +Definition / Additional Guidance diff --git a/chunks/txt/dcba2bcd331fe96772b12f6aca2ade7df446af3f7d9c0446d2ee045a6e11e3f7.txt b/chunks/txt/dcba2bcd331fe96772b12f6aca2ade7df446af3f7d9c0446d2ee045a6e11e3f7.txt new file mode 100644 index 0000000000000000000000000000000000000000..df0357592db8b590e62aaeda866eea47e5014a40 --- /dev/null +++ b/chunks/txt/dcba2bcd331fe96772b12f6aca2ade7df446af3f7d9c0446d2ee045a6e11e3f7.txt @@ -0,0 +1,94 @@ +ROLE + +Sequence Number = “1” + xlink:label = “NOTE_PAY_TO_1” + ROLE DETAIL + +Party Role Type = NotePayTo + +Figure 7. Establishing Endpoints of Relationship + +The table below (Table 7) shows the endpoints that will makeup the xlink arcrole relationship for the +relationship. + +CONTAINER + +XPath For Container + +LOAN +ROLE + +DEAL/LOANS/LOAN +DEAL/PARTIES/PARTY/ROLES/ROLE + +Table 7. Identifying Endpoints in the Relationship + +Sequence +Number +2 +1 + +Xlink:label + +RELATED_LOAN_2 +NOTE_PAY_TO_1 + +The table below (Table 8) shows a breakdown of the detailed components of the relationship used to +relate a related loan to a creditor (NotePayTo) for that loan. + +XPath + +Attribute + +xlink:label + +Value + +Notes + +RELATIONSHIPS CONTAINER + +First instance of RELATIONSHIP +MESSAGE/DEAL_SETS/D +EAL_SET/DEALS/DEAL/ +/RELATIONSHIPS/RELAT +IONSHIP + +Sequence Number + +1 + +arcrole="urn:fdc:mism +o.org:2009:residential +from +to + +LO AN_IsAssociatedWi +th_RO LE +RELATED_LOAN_2 +NOTE_PAY_TO_1 + +Table 8. Relationships Container – Component Details + +Data Relationships Using Xlink and MISMO Arcroles + +Page 21 of 29 + +Version 1.1 + +___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles + +The figure below (Figure 8) shows a basic example of how the xlink arcrole relationship linking a related +loan to a creditor (NotePayTo) would look in the RELATIONSHIPS container. + +RELATIONSHIPS CONTAINER +Showing the RELATIONSHIP Using The Endpoints + +RELATIONSHIPS + RELATIONSHIP + Sequence Number = “1” + xlink:from = “RELATED_LOAN_2” + xlink:to = “NOTE_PAY_TO_1” + xlink:arcrole = “LOAN_IsAssociatedWith_ROLE” + +Figure 8. Using Endpoints and an Arcrole To Define a Relationship diff --git a/chunks/txt/dcc4d3b0d9e424f809cf9b2955290f1a08cb72a5997f412570ab0229a64ee45b.txt b/chunks/txt/dcc4d3b0d9e424f809cf9b2955290f1a08cb72a5997f412570ab0229a64ee45b.txt new file mode 100644 index 0000000000000000000000000000000000000000..699e6a91df9f2a7ff579389b681b7ac6c874d0f6 --- /dev/null +++ b/chunks/txt/dcc4d3b0d9e424f809cf9b2955290f1a08cb72a5997f412570ab0229a64ee45b.txt @@ -0,0 +1,123 @@ +Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1) + +Uniform Residential Appraisal Report + +Page 5 of 18 +Page 5 of 18 + +Dwelling Exterior + +Subject Property Units in +Structure +Structure Design +Floors in Building +Front Door Elevation +Year Built +Converted Area + +1 +High-rise +15 +10 or more feet +1971 +None + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Centralized + +Detail +Natural Gas + +Core Heating System Below Grade + +Other Mechanical Systems + +Fire Suppression + +Yes No +  + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +None + +Dwelling Exterior Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Dwelling Exterior Exhibits + +Dwelling Rear + +Unit Interior + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +1,209 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Assessor Record +MLS +Property Management +Company + +Levels in Unit +Floor Number +Corner Unit +Occupancy +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half +Non-Residential Use in Unit +Live/Work Space + +1 +12 +No +Owner +1 +1 +0 +No +No + +Level and Room Detail + +Level in Unit +Level 1 + +Grade Level Detail +Above Grade + +Finish +Finished + +Area +1,209 Sq. Ft. + +Room Summary +1 - Bath - Full +1 - Bedroom +1 - Dining Room +1 - Kitchen +1 - Living Room + +Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1) + +Uniform Residential Appraisal Report diff --git a/chunks/txt/dcd7866216a9f941283ef96602ec37ea51130eb43abefee65242d0281874a58f.txt b/chunks/txt/dcd7866216a9f941283ef96602ec37ea51130eb43abefee65242d0281874a58f.txt new file mode 100644 index 0000000000000000000000000000000000000000..d303ef54755ecdf3792df399875aa7a5e8c4681a --- /dev/null +++ b/chunks/txt/dcd7866216a9f941283ef96602ec37ea51130eb43abefee65242d0281874a58f.txt @@ -0,0 +1,45 @@ +Uniform Closing Dataset (UCD) Collection Solution Enhancements +Quick Guide for UCD Enhancements + +Oct. 12, 2022 + +Dear Integrated Partner, + +The Uniform Closing Dataset (UCD) Phase 3 critical edits will be implemented as fatal severity in the UCD Test Environment on Oct. 24 and as warning-to-fatal severity in +production on Nov. 7. Lenders can access transition resources to prepare for the Phase 3 edits to turn fatal on May 1, 2023, including the UCD critical edits transition timeline. + +This UCD Enhancements guide provides access to this year’s previous, current, and upcoming UCD updates in an easy-to-read format all in one document. See the 2021 +Release Notes Summary to review an archive of the enhancements to UCD in 2021. + +Looking for Feedback Message updates? Review the ‘Revision History’ tab in the UCD Feedback Messages for a summary of this year’s message updates. + +On the Horizon + +Effective +Date +November 7 + +Impacted Area + +UCD Critical Edits - + +Phase 3 + +Implementation + +October 21 +(evening) + +UCD Critical Edits - + +Phase 3 + +Implementation + +Description + +On Nov. 7, 2022, the GSEs will transition UCD Phase 3 edits to a warning-to-fatal severity. Lenders should review all feedback +messages returned by the UCD Collection Solution and resolve any issues, particularly for any Phase 3 edits showing a severity +of warning-to-fatal. Lenders can review all UCD edits via the Fannie Mae Connect™ UCD report. +UCD Feedback Messages will be updated on Oct. 24 to reflect the edits that will transition to warning-to-fatal on Nov. 7. Please +reference the UCD Critical Edits Transition Resources page for additional resources. diff --git a/chunks/txt/dcdb1f02652e0a4bad14aed7ada77af3db4c80cb659c5e056b8c22b3e6f834bb.txt b/chunks/txt/dcdb1f02652e0a4bad14aed7ada77af3db4c80cb659c5e056b8c22b3e6f834bb.txt new file mode 100644 index 0000000000000000000000000000000000000000..ec32e76f6f6cac5413983f8c0ef41feae206ead1 --- /dev/null +++ b/chunks/txt/dcdb1f02652e0a4bad14aed7ada77af3db4c80cb659c5e056b8c22b3e6f834bb.txt @@ -0,0 +1,73 @@ +Overall Flooring Quality +Summary does not +populate from Unit +Interior; the appraiser +must enter information +for the subject property + +Walls and Ceiling +Quality Summary does +not populate from Unit +Interior; the appraiser +must enter information +for the subject property + +Unit Interior +• + +Interior Feature +Other Description +10.044 (Report +Label) + +Other Interior Feature +Quality Summary +22.10.08 does not +populate from Unit +Interior; the appraiser +must enter information +for the subject property + +No + +Kitchen Quality Summary: A short description summarizing the quality of +the kitchen in the ADU. + +No + +Overall Bathrooms Quality Summary: A short description summarizing +the overall quality of all bathrooms in the ADU. + +No + +Overall Flooring Quality Summary: A short description summarizing the +overall quality of all flooring in the ADU. + +No + +Walls and Ceiling Quality Summary: A short description summarizing the +overall quality of the walls and ceilings in the ADU. + +No + +If needed to support the quality rating, additional rows may be included +for any features not predefined that were added to the Interior Features +table in the Unit Interior section for the ADU. + +Example: Other Interior Feature Example in Unit Interior and Sales +Comparison Approach + +Other Interior Feature Quality Summary: A short description +summarizing the quality of the additional feature. Example: Custom +designed high grade + +Notes: +• + +• + +If the feature does not exist for the comparable ADU, enter +“None”. +If the comparable ADU has an interior feature that the subject +does not have, report this as an Additional Row in the Unit(s) +subsection for the ADU (22.07.15) and not here. diff --git a/chunks/txt/dcdfe1fda76c02c403816c7d454a67714ca8b5808bdc1d3f2a69b9bc275300c5.txt b/chunks/txt/dcdfe1fda76c02c403816c7d454a67714ca8b5808bdc1d3f2a69b9bc275300c5.txt new file mode 100644 index 0000000000000000000000000000000000000000..67b027618d5cbf962edb0ed0bd7402142c12c261 --- /dev/null +++ b/chunks/txt/dcdfe1fda76c02c403816c7d454a67714ca8b5808bdc1d3f2a69b9bc275300c5.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/public-input" +date_accessed: "2026-01-27T17:54:20.266Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/dce2799f1674ed2830e17489f1229e71c69d9a0b0bbc4d1c600e4fcc8de3b485.txt b/chunks/txt/dce2799f1674ed2830e17489f1229e71c69d9a0b0bbc4d1c600e4fcc8de3b485.txt new file mode 100644 index 0000000000000000000000000000000000000000..f04d4f4b9536f87157ef867abd05401944e58a65 --- /dev/null +++ b/chunks/txt/dce2799f1674ed2830e17489f1229e71c69d9a0b0bbc4d1c600e4fcc8de3b485.txt @@ -0,0 +1,66 @@ +Boolean + +Boolean + +One and only one of fields 2-7, 2-8 (values +of Project Common Elements Leased +Indicator) should be indicated. + +This field should be populated if field 2-7 +(Project Common Elements Leased Indicator += 'Y') is indicated. This is a free text field +which should describe the rental terms and +options. + +One and only one of fields 2-10, 2-11 +(values of Project Analysis Ground Rent +Indicator) should be indicated. + +One and only one of fields 2-10, 2-11 +(values of Project Analysis Ground Rent +Indicator) should be indicated. +This field should be populated if field 2-10 +(Project Analysis Ground Rent Indicator = +'Y') is indicated. +This field should be populated if field 2-10 +(Project Analysis Ground Rent Indicator = +'Y') is indicated. + +One and only one of fields 2-14, 2-15 +(values of Adequate Indicator) should be +indicated. + +One and only one of fields 2-14, 2-15 +(values of Adequate Indicator) should be +indicated. + +PROJECT +INFORMATION + +Are the parking facilities adequate for +the project size and type? +If No, describe and comment on the +effect on value and marketability. + +Project Car Storage +Adequacy Effect On +Marketability +Description + +A free-form text field describing the effect +of the adequacy or inadequacy of parking +on the marketability of the project or a +unit thereof. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA +GE/@_AdequacyEffectOnMarketabilityDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +This field should be populated if field 2-15 +(Adequate Indicator = 'N') is indicated. diff --git a/chunks/txt/dce3cc88a9f6a3751906184fbb593b7c0b7424697d95b2b5acff7fa1a5eed1eb.txt b/chunks/txt/dce3cc88a9f6a3751906184fbb593b7c0b7424697d95b2b5acff7fa1a5eed1eb.txt new file mode 100644 index 0000000000000000000000000000000000000000..8e3d439850ad53db636e1bbf6105e2ea41738dd0 --- /dev/null +++ b/chunks/txt/dce3cc88a9f6a3751906184fbb593b7c0b7424697d95b2b5acff7fa1a5eed1eb.txt @@ -0,0 +1,112 @@ +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate +to information in the URAR. + +The URAR sample scenario begins on the next page. + +This cover section, including Introduction and Key Characteristics, + +is not part of the URAR. + +Uniform Residential Appraisal Report + +700 1ST AVE, NW, UNIT 1206, WASHINGTON, DC 20001 + +SUMMARY + +Opinion of Market Value + +$548,999 (Cooperative Interest) + +Market Value Condition + +As Is + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +Annie Appraiser + +Overall Quality +Overall Condition + +Q3 +C3 + +Effective Date of Appraisal +Assignment Reason +Borrower Name + +08/28/2019 +Purchase +John Jones +Mary Jones +Current Owner of Public Record Harry Smith + +Contract Price +Listing Status + +Property Description + +Attachment Type +Structure Design + +Bill Smith +$585,000 +Pending + +Attached +High-rise + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Observed Project Deficiencies +Subject Site Owned in Common + +Units Excluding ADUs +Accessory Dwelling Units + +1 +0 + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Property Restriction +Zoning Compliance + +Historic Preservation +Legal + +Yes No +  +  +  +  +  +  + +Yes No +  + +Apparent Defects, Damages, Deficiencies Requiring Action + +None + +Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 2 of 18 +Page 2 of 18 + +NEW PG! + +Assignment Information + +Property Valuation Method + +Traditional Appraisal diff --git a/chunks/txt/dceae3dba95e4a5fb4596e67496030e34c0d15c5ff9571399ce780152c489f8e.txt b/chunks/txt/dceae3dba95e4a5fb4596e67496030e34c0d15c5ff9571399ce780152c489f8e.txt new file mode 100644 index 0000000000000000000000000000000000000000..a90bfbc46e019128b0121ace5eba7c3cc3be0456 --- /dev/null +++ b/chunks/txt/dceae3dba95e4a5fb4596e67496030e34c0d15c5ff9571399ce780152c489f8e.txt @@ -0,0 +1,5 @@ +record_id: 1600123026000 | year: 2016 | weight: 20 | state_fips_2010: 25 | state_fips_2020: NA | county_fips_2010: 25017 | county_fips_2020: NA | tract_fips_2010: 25017360200 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 1605000 | sales_range_low: 905000 | updated_last_15_years: 2 | lot_size: 5 | quality: 4 | condition: 3 | bathrooms: 4 | bedrooms: 3 | gross_living_area: 8 | median_adjustment: -66550 | average_adjustment: -67475 | adjusted_price: 1095000 | number_comparables: 2 | same_tract_percent: 100 | calculated_proximity: 1.12 | reported_proximity: 1.15 | value_sale_comparison: 1105000 | value_cost: 1115000 | value_income: NA | appraised_value: 1105000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 1600154406000 | year: 2016 | weight: 20 | state_fips_2010: 45 | state_fips_2020: NA | county_fips_2010: 45083 | county_fips_2020: NA | tract_fips_2010: 45083023201 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 275000 | sales_range_low: 115000 | updated_last_15_years: 1 | lot_size: 3 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 7 | median_adjustment: 9150 | average_adjustment: 9275 | adjusted_price: 155000 | number_comparables: 2 | same_tract_percent: 25 | calculated_proximity: 4.08 | reported_proximity: 4.08 | value_sale_comparison: 155000 | value_cost: NA | value_income: NA | appraised_value: 155000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 1600134459000 | year: 2016 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06001 | county_fips_2020: NA | tract_fips_2010: 06001420200 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 735000 | sales_range_low: 495000 | updated_last_15_years: 2 | lot_size: 1 | quality: 4 | condition: 3 | bathrooms: 1 | bedrooms: 2 | gross_living_area: 1 | median_adjustment: 14000 | average_adjustment: 6750 | adjusted_price: 765000 | number_comparables: 2 | same_tract_percent: 0 | calculated_proximity: 0.41 | reported_proximity: 0.41 | value_sale_comparison: 745000 | value_cost: NA | value_income: NA | appraised_value: 745000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 1600184665000 | year: 2016 | weight: 20 | state_fips_2010: 53 | state_fips_2020: NA | county_fips_2010: 53009 | county_fips_2020: NA | tract_fips_2010: 53009000900 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 225000 | sales_range_low: 175000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 4 | bathrooms: 1 | bedrooms: 3 | gross_living_area: 6 | median_adjustment: 925 | average_adjustment: 6119 | adjusted_price: 205000 | number_comparables: 3 | same_tract_percent: 40 | calculated_proximity: 0.63 | reported_proximity: 0.63 | value_sale_comparison: 205000 | value_cost: 245000 | value_income: NA | appraised_value: 205000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 1 +record_id: 1600024168000 | year: 2016 | weight: 20 | state_fips_2010: 48 | state_fips_2020: NA | county_fips_2010: 48113 | county_fips_2020: NA | tract_fips_2010: 48113019019 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 65000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 75000 | sales_range_low: 75000 | updated_last_15_years: 1 | lot_size: 1 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gr diff --git a/chunks/txt/dd00853f01c8cfe011b1a0b8f12c0a2c2dfad6aba03e9565b6f5ff6249fe0aae.txt b/chunks/txt/dd00853f01c8cfe011b1a0b8f12c0a2c2dfad6aba03e9565b6f5ff6249fe0aae.txt new file mode 100644 index 0000000000000000000000000000000000000000..4d7c16bbeedb78dab9aba26368e1eec33a56987d --- /dev/null +++ b/chunks/txt/dd00853f01c8cfe011b1a0b8f12c0a2c2dfad6aba03e9565b6f5ff6249fe0aae.txt @@ -0,0 +1,37 @@ +• Manufactured Home Property Eligibility Requirements +• MH Advantage Property Eligibility Requirements +• Modular, Prefabricated, Panelized, or Sectional Housing Eligibility +• Modular, Prefabricated, Panelized, or Sectional Housing Requirements +• Modular Construction Techniques on Multi-Unit Buildings + +Manufactured Home Property Eligibility Requirements + +Fannie Mae defines a “manufactured home” as any dwelling unit built on a permanent chassis that is attached to a permanent +foundation system and evidenced by a HUD Data Plate and HUD Certification Label(s). For additional information, see Selling +Guide, B5-2-02, Manufactured Housing Loan Eligibility. (The terms “manufactured home” and “manufactured housing” are used +interchangeably in this Guide). + +The table below provides additional manufactured housing property eligibility requirements. For manufactured housing +appraisal requirements, see SB4-1.4-01, Factory-Built Housing: Manufactured Housing. For more information, see the +Manufactured Housing Product Matrix. For project review methods for manufactured homes located in a condo or PUD, see +SB4-2.1-01, General Information on Project Standards. + +✓ + +Requirements + +The manufactured home must be built in compliance with + +• + +• + +the Federal Manufactured Home Construction and Safety Standards that were established June +15, 1976, as amended and in force at the time the home is manufactured; and + +additional requirements that appear in HUD regulations at 24 C.F.R. Part 3280. + +Compliance with these standards will be evidenced by the presence of either a HUD Data Plate or the HUD +Certification Label(s) for each section of the home for existing construction. If the original or alternative +documentation cannot be obtained for either of these, the loan is not eligible for sale to Fannie Mae. (Both +are required for new construction). diff --git a/chunks/txt/dd22bc8d55ea26b9f0a013a9c9a96fda1b5d97b0b1ba2954f1ccfab23dea91e9.txt b/chunks/txt/dd22bc8d55ea26b9f0a013a9c9a96fda1b5d97b0b1ba2954f1ccfab23dea91e9.txt new file mode 100644 index 0000000000000000000000000000000000000000..4ca599f64974a5f6ce45a9d36bbc95cf536d9d85 --- /dev/null +++ b/chunks/txt/dd22bc8d55ea26b9f0a013a9c9a96fda1b5d97b0b1ba2954f1ccfab23dea91e9.txt @@ -0,0 +1,126 @@ +5.0 Projected Payments + +5.1 Payment Calculation + +Years 1 – 30 + +5.2 Principal & Interest + +5.3 Mortgage Insurance + +5.4 Estimated Escrow +Amount can increase over time + +5.5 Estimated Total + +Monthly Payment + +5.2.1 + +5.3.1 + +5.4.1 + +5.5.1 + +$761.78 + ++ + ++ + +0 + +206.13 + +$967.91 + +Figure 62. Mortgage Insurance Not Required + +The data points needed to populate the MI row of the Projected Payments table are shown in the table below. + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +Table 79. Does Not Require MI + +5.3.1 + +Years 1-30 +Mortgage +Insurance ($) + +…/PROJECTED_PAY +MENT + +ProjectedPayment +MIPaymentAmount + +0.00 + +5.3 + +N/A + +…/LOAN_DETAIL + +MIRequiredIndicat +or + +false + +▪ ROF as “0” +▪ Must always be +included in the +XML file, even if +the loan has no +MI + +▪ Not shown – +indicates +provision of “0” +(zero) in +ProjectedPayme +ntMIPaymentAm +ount + +▪ Must always be +included in the +XML file, even if +the loan has no +MI + +5. 4 ESTI MATED ESCROW + +The lender may establish a monthly escrow to collect payments for various property costs. An escrow account +may collect amounts to pay: property taxes, required mortgage-related insurance premiums (other than the +mortgage insurance or related equivalent costs disclosed in 5.3), homeowner’s association, condominium or +cooperative fees, ground rent or leasehold payments, and special assessments, as applicable. + +Appendix E: UCD Implementation Guide + +Page 93 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +1. ESCROW ACCOUNT EXI ST S + +If an escrow account exists for the loan, the projected amount of the periodic escrow payment must be shown +as illustrated in Figure 63. On the Closing Disclosure, the same escrow payment amount is assumed for the life of +the loan. Escrow payments are not disclosed as a range. diff --git a/chunks/txt/dd245b2b0db93002483c8f6c3153705c74aa30d4c3dfaf1ce9d3245d1f1850f1.txt b/chunks/txt/dd245b2b0db93002483c8f6c3153705c74aa30d4c3dfaf1ce9d3245d1f1850f1.txt new file mode 100644 index 0000000000000000000000000000000000000000..f77b26fb5b41d47dcb6b7776a5780b8c4e9ca87d --- /dev/null +++ b/chunks/txt/dd245b2b0db93002483c8f6c3153705c74aa30d4c3dfaf1ce9d3245d1f1850f1.txt @@ -0,0 +1,71 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +#### Search & Filter + +Keyword + +Published Date Min + +Max + +Pertains To Fannie Mae + +Federal Home Loan Banks + +Freddie Mac + +Office of Finance + +Other + +## Search & Filter + +Keyword + +Published Date Min + +Max + +Pertains To Fannie Mae + +Federal Home Loan Banks + +Freddie Mac + +Office of Finance + +Other + +# Advisory Bulletin + +[View Rescinded Advisory Bulletins](/advisory-bulletin/rescinded) + +- Federal Home Loan Banks diff --git a/chunks/txt/dd24e4a7574ef5d9d4b3e0a866fe9914add0864b7f81a94686cf37aeea70ab7b.txt b/chunks/txt/dd24e4a7574ef5d9d4b3e0a866fe9914add0864b7f81a94686cf37aeea70ab7b.txt new file mode 100644 index 0000000000000000000000000000000000000000..febf6f55daff67e46bf06fdccb548ea1cb8b63ce --- /dev/null +++ b/chunks/txt/dd24e4a7574ef5d9d4b3e0a866fe9914add0864b7f81a94686cf37aeea70ab7b.txt @@ -0,0 +1,79 @@ +XML Linking Language +(XLink) + +The W3C specification that provides methods for creating internal and +external links within XML documents and associating metadata with those +links. + +XPath Language + +The XPath language is based on a “tree”-structured hierarchical +representation of an XML document, providing the ability to navigate around +the document. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 68 of 76 + +Section VIII. Acronyms and Abbreviations + +VIII. Acronyms and Abbreviations + +Acronym / +Abbreviation +2000 Character File +ARM +AUS +AVM +FHFA +Form 11 +Form 13SF +GSE +The GSEs +HUD-1 +GSE-specific + +LDD +Loan Delivery Data +Set +MAX +MEG +MI +MIN +MISMO® +schema +TILA +ULDD + +ULDDS + +Full Term + +Fannie Mae’s 2000-Character Loan Delivery File Format +Adjustable Rate Mortgage +Automated Underwriting System +Automated Valuation Model +Federal Housing Finance Agency +Freddie Mac’s Mortgage Submission Schedule +Freddie Mac’s Mortgage Submission Voucher +Government Sponsored Enterprise +Freddie Mac and Fannie Mae +Settlement Statement, Form HUD-1 +Reference to the customized versions of the ULDDS documents issued by each +investor. +MISMO Logical Data Dictionary +Uniform Loan Delivery Data Specification Appendix A – XML Data +Requirements +Maximum number of occurrences allowed +MISMO Engineering Guideline +Mortgage Insurance Company +Minimum number of occurrences allowed +Mortgage Industry Standards Maintenance Organization +XML schema Document +Truth in Lending Disclosure Statement +Uniform Loan Delivery Dataset—used to refer to GSE-specific implementations +of the joint dataset; also referred to as the “Loan Delivery Dataset” +Uniform Loan Delivery Data Specification—used to refer to the Joint GSE +specification diff --git a/chunks/txt/dd28dc17cf9e14dd0d3e4eb0716d2439fcd0a3ff9de9eaa8fabb5356ca5c34cd.txt b/chunks/txt/dd28dc17cf9e14dd0d3e4eb0716d2439fcd0a3ff9de9eaa8fabb5356ca5c34cd.txt new file mode 100644 index 0000000000000000000000000000000000000000..a68c44247c92a3f061489ff9017a60a2b1015700 --- /dev/null +++ b/chunks/txt/dd28dc17cf9e14dd0d3e4eb0716d2439fcd0a3ff9de9eaa8fabb5356ca5c34cd.txt @@ -0,0 +1,89 @@ +Required for +cooperatives or +condops with Project +Blanket Financing that +includes one or more +lines of credit + +26.008 Pro Rata Share + +Calculation +Method + +Allowable +Answers / Format + +N/A + +Drawn or +Maximum + +Definition / Additional Guidance + +Indicates which pro rata share line of credit amount was used in determining +the Opinion of Market Value when one or more blanket financing liens is a line +of credit: +• + +Drawn: Pro Rata Share of Balance Attributable to Unit (Drawn) was used +in 18.036-18.045-18.054-18.063 + +• Maximum: Pro Rata Share of Balance Attributable to Unit (Maximum) was + +used in 18.036-18.045-18.054-18.063 + +For more information, reference the Project Blanket Financing subsection of +the Project Information section + +Reference published guidelines by the GSEs, government agencies, or other +identified secondary marketing participants for specific guidance. + +26.075 N/A + +Displays when the +property is in a +cooperative or condop + +N/A + +The market value represents the cooperative interest. The cooperative interest +is the equity portion that is over and above the pro rata share of the blanket +mortgage(s). + +Appendix F-1: URAR Reference Guide + +Page 324 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +26 Reconciliation + +Market Value Condition and Final Value Condition S tatement + +Reconciliation: Market Value Condition and Final Value Condition Statement + +Report +Field ID + +Report Label + +When to Include + +26.009 Market Value + +Always required + +Condition + +Allowable +Answers / Format + +Choose one or +more allowable +answers from +table (Market +Value Condition) + +Definition / Additional Guidance diff --git a/chunks/txt/dd318415b24a86e4e7fbbabb2d86345d050968ba3034c98e2b46d7b483bec1e5.txt b/chunks/txt/dd318415b24a86e4e7fbbabb2d86345d050968ba3034c98e2b46d7b483bec1e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..d4be32ad67d17b6b1e746ddc589bf9cc48a5a7c6 --- /dev/null +++ b/chunks/txt/dd318415b24a86e4e7fbbabb2d86345d050968ba3034c98e2b46d7b483bec1e5.txt @@ -0,0 +1,12 @@ +*Figure 4: NRI and EAL* + +![Figure 5: NRI and EAL Populated with Census-Tract Selection](/sites/default/files/2024-09/figure-5-NRI-and-EAL-Populated-with-Census-Tract-Selection.png) + +*Figure 5: NRI and EAL Populated with Census-Tract Selection* + +- **What information about natural hazard risk does the NRI provide?** - The NRI provides information about the relative risk of a hazard in a particular community. Because the hazard data is scaled to the national level, within a particular hazard the risks can be compared across communities, but it is more difficult to compare within a community across hazard types. For example, the 90th percentile risk of a hurricane will have different expected losses than the 90th percentile risk for a winter storm. + - **How to select states or counties in the geographic filter area?** - The geographic filter is located in the last square box on the right-hand side of the dashboard (Figure 1, filter box number 3). + - **To select single or multiple States or Counties** - Open the State or County filter drop-down menu and unselect (All). It nullifies the state/county, and the dashboard's content will disappear. Select State/County one by one, and it will generate the chart and tables for the selected area. + - **To Select All States or Counties** - Open the State or County filter drop-down menu and select (All). To see all-state results, click "Reset Button." + - **The map doesn’t move automatically when I select a geographic area in the filter.** - The Tableau map will be fixed when a user pans or zooms in the map. Unfix the map by clicking “Zoom Home” (Figure 6). + ![Figure 6: How to Unfix the Map](/sites/default/files/2024-09/Figure6-How-to-Unfix-the-Map.png) diff --git a/chunks/txt/dd34333f70150ce22e7252104409bd3dff4bd168ad2a70136041e67d8c561f89.txt b/chunks/txt/dd34333f70150ce22e7252104409bd3dff4bd168ad2a70136041e67d8c561f89.txt new file mode 100644 index 0000000000000000000000000000000000000000..aec494f71363507af242d0bdf8a36e4132c6d87c --- /dev/null +++ b/chunks/txt/dd34333f70150ce22e7252104409bd3dff4bd168ad2a70136041e67d8c561f89.txt @@ -0,0 +1,91 @@ +This data field identifies the source of + +the Federal guarantee or insurance of +the loan acquired by the Enterprise. +Since 2001, the Enterprises have been +reporting loans insured or guaranteed by +the Federal Housing Administration, +Department of Veterans Affairs, and +Rural Housing Service using an +expanded set of values. To conform to +HMDA reporting requirements, FHFA +has expanded the codes in the single- +family and multifamily Census Tract +Files to reflect HMDA’s additional +Federal loan guarantee or insurance +sources. (See the expanded codes in the +single-family and multifamily matrices +in the Appendix.) For single-family +National File A, single-family National +File B, and the multifamily National +File, FHFA has preserved the prior +PUDB recoding. The description for data +field 34 in the multifamily matrix has +also been changed from ‘‘Government +Insurance’’ to ‘‘Federal Guarantee’’ to be +consistent with the description in data +field 27 of the single-family matrix. A +technical revision has also been made to +this data field, as discussed under +Section IV.E. below. + +VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00045 Fmt 4703 Sfmt 4703 E:\FR\FM\15JYN1.SGM 15JYN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +1 +B +6 +L +C +W +H +K +S +D +n +o + +n +o +s +n +b +o +r +s + +i + +41184 + +Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices + +B. New Data Fields + +1. Data Elements Currently Collected +and Reported But Previously Coded +Differently in the PUDB + +To conform to HMDA reporting +requirements, FHFA has added the +following new data fields to the PUDB +matrices for data elements that are +currently collected and reported by the +Enterprises but which had been coded +differently in the PUDB. diff --git a/chunks/txt/dd413b730091efa130efd2a46ed6eaebced4bc69f13957c221d5d94ead318a4a.txt b/chunks/txt/dd413b730091efa130efd2a46ed6eaebced4bc69f13957c221d5d94ead318a4a.txt new file mode 100644 index 0000000000000000000000000000000000000000..59ead74f422577f5c6b9c33674ad9888810deee7 --- /dev/null +++ b/chunks/txt/dd413b730091efa130efd2a46ed6eaebced4bc69f13957c221d5d94ead318a4a.txt @@ -0,0 +1,32 @@ +• Option to download the SSR in a new JSON file format. This format is both human-readable and machine- + +friendly, making it ideal for data exchange and integration. It supports seamless interaction with modern RESTful +APIs and is available via UCDP Direct Integration. + +Feedback on All Property Types +The UAD 3.6 SSR aligns with the requirements of UAD 3.6 and with the introduction of the dynamic URAR, which replaces +traditional appraisal forms (e.g., the 1004 and 1073), provides a more flexible, data-driven structure. The new report format +supports all property types and valuation methods, enabling the SSR to deliver tailored feedback. + +Addition of Key Data Points +In response to user feedback, the SSR has been enhanced to include critical data elements that enhance transparency and +support decision-making. This includes: + +• Fannie Mae Collateral Underwriter® CU Risk Score and Rep & Warrant relief eligibility for URAR submissions to + +Fannie Mae. + +• Freddie Mac Loan Collateral Advisor® LCA Risk Score and Collateral Rep & Warranty relief indicator for URAR + +submissions to Freddie Mac. + +Comprehensive Feedback on Errors / Findings +To streamline the review process, the UAD 3.6 SSR features a simplified findings structure to help users quickly identify and +resolve issues. Errors can be clearly referenced by report section and subsection, making it easier to locate and address +issues. + +• System Findings: Ensure the ZIP file and its contents are complete and properly structured. + +• UAD Compliance Findings: Verify the XML file complies with the UAD 3.6 specifications. + +• GSE Proprietary Findings: Provide feedback based on each GSE’s appraisal requirements. diff --git a/chunks/txt/dd4ffd15104529ef35ed11579ef7c51860a6f0e3eca4880bcb83789670dc7b57.txt b/chunks/txt/dd4ffd15104529ef35ed11579ef7c51860a6f0e3eca4880bcb83789670dc7b57.txt new file mode 100644 index 0000000000000000000000000000000000000000..6c097d33968db78c777f243a288e8fa57ecebc82 --- /dev/null +++ b/chunks/txt/dd4ffd15104529ef35ed11579ef7c51860a6f0e3eca4880bcb83789670dc7b57.txt @@ -0,0 +1,105 @@ +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment +Minor cracks to vinyl typical +for age. + +Reported condition is subject +to repair; see defects table +and commentary below. + +Typical Wear and Tear + +Windows same age as house. + +Check #A + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Centralized + +Detail +Natural Gas + +Core Heating System Below Grade + +Other Mechanical Systems + +Sump Pump +Water Heater + +Yes No +  + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Roof + +Location +Section of Roof + +Description +Roof is significantly worn and has damaged +flashing, but no apparent active leaks. + +Affects Soundness or +Structural Integrity +Yes + +Recommended +Action +Repair + +Dwelling Exterior Commentary + +Condition Status is reflective of noted repair having been completed. + +Dwelling Exterior Exhibits + +Dwelling Front + +Dwelling Rear + +This is where the Dwelling Front photo would display. + +This is where the Dwelling Rear photo would display. + +Apparent Defects, Damages, Deficiencies - +Roof - Damaged Flashing + +This is where the Roof Defect photo would display. + +Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 7 of 21 +Page 7 of 21 + +Unit Interior + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source +Below Grade Finish Compared +to Above diff --git a/chunks/txt/dd53fe77becc928b1abaf06c845cc8f2dea26853262926f24ea97931a889a45d.txt b/chunks/txt/dd53fe77becc928b1abaf06c845cc8f2dea26853262926f24ea97931a889a45d.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd994d20e69089a9da856e6ed65e79603136ca54 --- /dev/null +++ b/chunks/txt/dd53fe77becc928b1abaf06c845cc8f2dea26853262926f24ea97931a889a45d.txt @@ -0,0 +1,136 @@ +2 + +Enumerated + +312 + +313 + +314 + +315 + +2 + +2 + +2 + +2 + +73 + +74 + +75 + +76 + +316 + +2 + +77 + +317 + +2 + +78 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Condition Adjustment + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL +E_PRICE_ADJUSTMENT[@_Type=‘Condition’]/@_Amount + +10 + +Money + +Above Grade Room Count +Adjustment + +Sale Price +Adjustment Amount + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL +E_PRICE_ADJUSTMENT[@_Type=‘Other’ and +@_TypeOtherDescription=‘RoomAboveGradeLine1’]/@_Amount + +10 + +Money + +Above Grade Room Count Total +Rooms + +Total Room Count + +Specifies the total number of livable +rooms. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/RO +OM_ADJUSTMENT/@TotalRoomCount + +Above Grade Room Count +Bdrms. + +Total Bedroom +Count + +Specifies the total number of bedrooms. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/RO +OM_ADJUSTMENT/@TotalBedroomCount + +Above Grade Room Count Baths + +Total Bathroom +Count + +Specifies the total number of bathrooms. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/RO +OM_ADJUSTMENT/@TotalBathroomCount diff --git a/chunks/txt/dd606d776aa2dba025e53cac725110859e41d93d2df0da392f044f1b270fdc61.txt b/chunks/txt/dd606d776aa2dba025e53cac725110859e41d93d2df0da392f044f1b270fdc61.txt new file mode 100644 index 0000000000000000000000000000000000000000..dc47685f90320a55e7276aa0a0ee92275333f445 --- /dev/null +++ b/chunks/txt/dd606d776aa2dba025e53cac725110859e41d93d2df0da392f044f1b270fdc61.txt @@ -0,0 +1,47 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +• An additional caption may be provided using ImageCaptionCommentDescription (UID: 1400.0929, FID: 10.056.2) and displays above the image + +Page 197 + +following the FeatureType. + +o + +In Figure 10 - 15, “Peeling Paint” is an additional caption. + +Figure 10 - 15 + +Additional Exhibits + +• Other images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 10.062.1) = “UnitInteriorExhibit” +• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 10.062.2) + +Unit Interior – Arcrole Relationships + +Arcrole relationships establish "relationships" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML +data specific instances of data points or containers must be connected to properly represent the information. + +• Containers or datapoints to be linked are identified using "xlink:label.” +• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships. + +There are three arcrole relationships supported in the Unit Interior section. + +• DATA_SOURCE to PROPERTY_UNIT_AREA +• DATA_SOURCE to AccessoryDwellingUnitLegallyRentableIndicator DATA_SOURCE to PROPERTY +• DEFECT to PROPERTY_UNIT + +Data source to property unit area + +Appendix B-1: URAR Implementation Guide v1.3 + +Provide the relationship that joins to the applicable instance of PROPERTY_UNIT_AREA (where the ValuationUseType = "SubjectProperty") +to the data source used to determine the area of the unit. + +Page 198 + +Unique ID + +Parent Container + +MISMO Attribute Name diff --git a/chunks/txt/dd63ce25d511bf637a7c6391a9fd1c3d56a228a38cd92c6e2628ec119442e753.txt b/chunks/txt/dd63ce25d511bf637a7c6391a9fd1c3d56a228a38cd92c6e2628ec119442e753.txt new file mode 100644 index 0000000000000000000000000000000000000000..f10a4f6b40732f8ea0dcc92c0fb39f86510e7603 --- /dev/null +++ b/chunks/txt/dd63ce25d511bf637a7c6391a9fd1c3d56a228a38cd92c6e2628ec119442e753.txt @@ -0,0 +1,17 @@ +25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the +mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data +collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any +state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to +store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain +the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A +person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as +an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to +the mortgage finance transaction and related activities for which this appraisal report was prepared. + +26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government +sponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance +transaction that involves any one or more of these parties. A person or entity who receives a copy of an appraisal report does not become +an intended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable) +shall have no liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this +appraisal report was prepared. diff --git a/chunks/txt/dd6558d8da3a50978687cf824abb2b65b19de904e91735498b69eb5e6570764d.txt b/chunks/txt/dd6558d8da3a50978687cf824abb2b65b19de904e91735498b69eb5e6570764d.txt new file mode 100644 index 0000000000000000000000000000000000000000..24ac36dcf170fd5030884fccc1fc5cc393e0cb8a --- /dev/null +++ b/chunks/txt/dd6558d8da3a50978687cf824abb2b65b19de904e91735498b69eb5e6570764d.txt @@ -0,0 +1,13 @@ +Relationship Between a Related Loan and the Associated Creditor .............................................. 20 + +Relationship Between an ASSET and the Associated Borrower .................................................. 22 + +Relationship Between a LIABILITY and the Associated Borrower.............................................. 23 + +Relationship Between an EXPENSE and the Associated Borrower.............................................. 25 + +Appendix A: XML Code Sample for Xlink MISMO Arcrole Examples........................................... 27 + +XML Code Sample .............................................................................................................. 27 + +Data Relationships Using Xlink and MISMO Arcroles diff --git a/chunks/txt/dd68375289b190a477d6330d153c7f5c8f898eac9a5a615c7be593e1ac26ccb5.txt b/chunks/txt/dd68375289b190a477d6330d153c7f5c8f898eac9a5a615c7be593e1ac26ccb5.txt new file mode 100644 index 0000000000000000000000000000000000000000..c0b66ce69df7582bfb869d04c28d55b9e4871b04 --- /dev/null +++ b/chunks/txt/dd68375289b190a477d6330d153c7f5c8f898eac9a5a615c7be593e1ac26ccb5.txt @@ -0,0 +1,164 @@ +Report +Field ID + +1.033 +1.040 +1.048 +1.055 +1.063 + +Summary: Apparent Defects, Damages, Deficiencies Requiring Action + +Report Label + +Origin of Information by Section + +Definition / Additional Guidance + +Feature + +• +• +• +• + +Site 4.100 +Dwelling Exterior 8.056 +Outbuilding 12.020 +Unit Interior 10.056 + +As previously entered in the original section: +• +Exterior Walls and Trim +• +Flooring +• +Foundation +• Mechanical System +• +• Walls and Ceiling +• Windows +• + +Other (Describe) + +Roof + +1.069 + +Feature + +1.075 + +Feature + +Location + +Description + +1.034 +1.041 +1.049 +1.056 +1.064 +1.070 +1.076 + +1.035 +1.042 +1.050 +1.057 +1.065 +1.071 +1.077 + +Vehicle Storage +• + +Vehicle Storage Type 13.005 + +Subject Property Amenities +• + +Amenity Type 14.009 + +• +• +• +• +• +• + +• +• +• +• +• +• + +Site 4.101 +Dwelling Exterior 8.057 +Outbuilding 12.021 +Unit Interior 10.057 +Vehicle Storage 13.006 +Subject Property Amenities 14.007 + +Site 4.102 +Dwelling Exterior 8.058 +Outbuilding 12.022 +Unit Interior 10.058 +Vehicle Storage 13.007 +Subject Property Amenities 14.008 + +As previously entered in the original section. + +As previously entered in the original section. + +As previously entered in the original section: +• +• +• +• + +Full Bathroom +Half Bathroom +Kitchen +Other (Describe) + +Description of the defect, damage, or deficiency, as previously entered in +the original section. + +Appendix F-1: URAR Reference Guide + +Page 31 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +01 Summary + +Report +Field ID + +1.036 +1.043 +1.051 +1.058 +1.066 +1.072 +1.078 + +1.037 +1.044 +1.052 +1.059 +1.067 +1.073 +1.079 + +Summary: Apparent Defects, Damages, Deficiencies Requiring Action + +Report Label + +Origin of Information by Section diff --git a/chunks/txt/dd75a384b8471947b98b17b3ac1034c1fd848455e02c84ab7d5fddfb0e71bca9.txt b/chunks/txt/dd75a384b8471947b98b17b3ac1034c1fd848455e02c84ab7d5fddfb0e71bca9.txt new file mode 100644 index 0000000000000000000000000000000000000000..dc45e7d4c581805bdb960f3325aa88897e992465 --- /dev/null +++ b/chunks/txt/dd75a384b8471947b98b17b3ac1034c1fd848455e02c84ab7d5fddfb0e71bca9.txt @@ -0,0 +1,35 @@ +Any method described in in B3-3.1-07, Verbal Verification of Employment may be used to satisfy the Verbal Verification of +Employment requirement in conjunction with validating income using the asset verification report. + +Loan Eligibility + +To be eligible for income and employment validation using asset verification reports, loans must meet the following criteria: + +• + +• + +Loan casefile must receive an Approve/Eligible recommendation from DU + +Loan casefile must have a debt-to-income ratio less than 45.000% + +Opting in to the Capability + +Income and employment validation using asset account data is being offered as an opt-in solution and is intended for lenders +who leverage asset verification reports in their loan origination process and who can incorporate the validation achieved within +their loan fulfillment process. In addition to the benefits achieved from digital validation (operational efficiencies), it is important +for a lender to consider the following: + +• Data Provider Setup: Participating lenders must have entered a contract for the services provided by an + +authorized report supplier or report distributor. + +• Data Requirements and Verification of Ownership: Lender must request, from the report supplier, asset + +verification reports that contain a minimum of 12-months of account history for at least one borrower identified +within the loan application. + +• Regulatory Compliance: Lenders remain responsible for determining what documentation is needed to meet +the lender’s obligations under all applicable laws and regulations, including Ability to Repay and the Qualified +Mortgage Rule. As with all loans, we provide no assurance to lenders that the loans meet these requirements, or +any other obligation under applicable law. diff --git a/chunks/txt/dd75c1534f33fb70b950c048e5ecc4346e963b29b8aa00122e16858ffc5820d9.txt b/chunks/txt/dd75c1534f33fb70b950c048e5ecc4346e963b29b8aa00122e16858ffc5820d9.txt new file mode 100644 index 0000000000000000000000000000000000000000..ebbeadc9a4bf0d577a4ee9409bf146cefd3d46cb --- /dev/null +++ b/chunks/txt/dd75c1534f33fb70b950c048e5ecc4346e963b29b8aa00122e16858ffc5820d9.txt @@ -0,0 +1,159 @@ +Total Bedrooms + +List Price + +Sale Price + +Total Baths - Full | Half + +MLS 123456 | Public Record +.17 Miles N +$460,000 +Settled Sale +$460,000 +$0 + +Net Adjustment Total + +Adjusted Price + +$8,500 +Comparable Weight +07/22/2019 +08/17/2019 +12 +Detached +Fee Simple + +$489,000 +Pending +$489,000 +$5,000 +09/17/2019 + +12 +Detached +Fee Simple + +Comparable #2 + +188 Fallen Oak Ct. +Smallville VA 12345 + +Comparable #3 + +210 Cannon Ball Rd. +Smallville VA 12345 + +14,950 Sq. Ft. + +3,002 Sq. Ft. + +0.17 Miles N + +17,886 Sq. Ft. + +3,260 Sq. Ft. + +1,300 Sq. Ft. +MLS 33A245 | Public Record +5 +.06 Miles N +3 | 1 +$449,900 +$489,000 +Settled Sale +$489,000 +$450,000 +$0 + +$11,000 +08/05/2019 +09/10/2019 +6 +Detached +Fee Simple + +0 Sq. Ft. +MLS 678A12 | Public Record +4 +.4 Miles NE +2 | 1 +$525,000 +$460,000 +Settled Sale +$460,000 +$520,000 +$23,760 +$0 + +$483,760 + +Most + +$10,400 +07/02/2019 +08/31/2019 +14 +Detached +Fee Simple + +14,950 Sq. Ft. + +17,886 Sq. Ft. + +$0 + +13,038 Sq. Ft. + +0.06 Miles N + +13,038 Sq. Ft. + +2,804 Sq. Ft. + +1,200 Sq. Ft. + +4 + +2 | 2 + +$449,900 + +$450,000 + +$40,540 + +$490,540 + +Most + +0.4 Miles NE + +16,039 Sq. Ft. + +2,816 Sq. Ft. + +1,328 Sq. Ft. + +4 + +3 | 1 + +$525,000 + +$520,000 + +$5,400 + +$525,400 + +Less + +Appraiser Reference ID AA12345 +Client Reference ID 1234567 + +© 2020 Fannie Mae and Freddie Mac. Trademarks of respective owners. +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction +of the Federal Housing Finance Agency. Fannie Mae and Freddie Mac Confidential Commercial Information; FOIA Exemption Requested. +$5,000 diff --git a/chunks/txt/dd76c17c2d2b73ee4f08fb55f5e84a75058fa86861afdb5c2fa222c0df1858b0.txt b/chunks/txt/dd76c17c2d2b73ee4f08fb55f5e84a75058fa86861afdb5c2fa222c0df1858b0.txt new file mode 100644 index 0000000000000000000000000000000000000000..9f0972ecbb9d115b1c016efdc0ab96207f19beac --- /dev/null +++ b/chunks/txt/dd76c17c2d2b73ee4f08fb55f5e84a75058fa86861afdb5c2fa222c0df1858b0.txt @@ -0,0 +1,85 @@ +See Seller Credits in Section L + +9.003 + +IntegratedDisclosureCashToCloseItemEstimatedAmount + +9.014 + +IntegratedDisclosureCashToCloseItemFinalAmount + +9.002 + +IntegratedDisclosureCashToCloseItemType + +0.00 + +-2500.00 + +SellerCredits + +9.034 + +IntegratedDisclosureCashToCloseItemAmountChangedIndicator + +true + +9.036 + +IntegratedDisclosureCashToCloseItemChangeDescription + +See details in Sections K & L + +9.003 + +IntegratedDisclosureCashToCloseItemEstimatedAmount + +9.014 + +IntegratedDisclosureCashToCloseItemFinalAmount + +0.00 + +-1035.00 + +9.002 + +IntegratedDisclosureCashToCloseItemType + +AdjustmentsAndOtherCredits + +In the following XML snippet, because of their length, certain data points in CASH_TO_CLOSE_ITEM wrap after the provided +value. + +Figure 46. XML Snippet - Example of Cash to Close Data for a Purchase. + + +… + + + + + + + + + + + +true< + +/IntegratedDisclosureCashToCloseItemAmountChangedIndicator> + +See Total Loan Costs (D) and Total Other Costs (I)< + +/IntegratedDisclosureCashToCloseItemChangeDescription> + +8054.00< + +/IntegratedDisclosureCashToCloseItemEstimatedAmount> + +9712.00 +TotalClosingCosts + + + diff --git a/chunks/txt/dd8331622c18f43bd8689f067ec437974625d230ca8107d996445d0f7fc0a364.txt b/chunks/txt/dd8331622c18f43bd8689f067ec437974625d230ca8107d996445d0f7fc0a364.txt new file mode 100644 index 0000000000000000000000000000000000000000..369e53426969f0cb7226b4e187821e63a36e35e4 --- /dev/null +++ b/chunks/txt/dd8331622c18f43bd8689f067ec437974625d230ca8107d996445d0f7fc0a364.txt @@ -0,0 +1,81 @@ +The person who developed the opinion of value and signed the report. +Notes: +• + +All who sign the certification are acting in the capacity of an appraiser, regardless of their level (i.e., Appraiser +Trainee, Appraiser). +Only select this answer when the person is performing the valuation service and signing the report. +Reference the Appraiser Certifications (05.011-05.029). + +The person who performed supervision of the appraisal process and signed the report. +Notes: +• + +An appraiser that signs the certification as a Supervisory Appraiser accepts full responsibility for all elements of the +certification, for the assignment results, and for the contents of the appraisal report. +Reference the Supervisory Appraiser Certifications (05.031-05.037, 05.048-05.051). + +• +• + +• + +Assignment Information: Contact Information – Appraiser and Supervisory Appraiser + +Report +Field ID + +04.011 +04.026 + +Report Label + +When to Include + +Name + +Always required for +the appraiser and +supervisory appraiser + +Allowable +Answers / Format + +Free-form + +Definition / Additional Guidance + +The full name of the appraiser or supervisory appraiser, as it appears on the +Appraisal Subcommittee website. +Note: At a minimum, first and last name must be provided. + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 17 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Assignment Information + +Assignment Information: Contact Information – Appraiser and Supervisory Appraiser + +Report +Field ID + +04.012 +04.027 + +Report Label + +When to Include + +Designation + +If applicable for the +appraiser and +supervisory appraiser + +Allowable +Answers / Format diff --git a/chunks/txt/dd8f55ce3aa989ed554d2c0bcfe3ceea5a3662c70478a380e37deddd79cdd1a0.txt b/chunks/txt/dd8f55ce3aa989ed554d2c0bcfe3ceea5a3662c70478a380e37deddd79cdd1a0.txt new file mode 100644 index 0000000000000000000000000000000000000000..b462ccb06381fd647ca42f4f36cba32019e0755d --- /dev/null +++ b/chunks/txt/dd8f55ce3aa989ed554d2c0bcfe3ceea5a3662c70478a380e37deddd79cdd1a0.txt @@ -0,0 +1,51 @@ +provides that FHFA publish the PUDB + +18 See 59 FR 29514 (June 7, 1994); 60 FR 61846, + +62001 (App. F) (Dec. 1, 1995); 61 FR 54322 (Oct. +17, 1996); 69 FR 59476 (Oct. 4, 2004); FHFA 2010 +Order, 75 FR at 41189; FHFA Notice of Order, 76 +FR 60031 (Sept. 28, 2011) (FHFA 2011 Order). + +19 24 CFR 81.72(b)(3). +20 12 U.S.C. 4546(d). +21 12 U.S.C. 2803(j)(2)(B). +22 CFPB, Disclosure of Loan-Level HMDA Data, +Final Policy Guidance, 84 FR 649 (Jan. 31, 2019) +(CFPB Privacy Guidance); Regulation C, 80 FR at +66132–66134. + +‘‘[s]ubject to privacy considerations, as +described in section 304(j) of [HMDA],’’ +which requires the CFPB to prescribe +deletions that are appropriate to protect +borrowers’ privacy interests. FHFA +interprets this provision as authorizing +FHFA to follow the CFPB’s intended +privacy determinations. Where FHFA +determines that privacy or other factors +in the context of the PUDB call for +different or more restrictive disclosure +of HMDA data elements than the CFPB +Privacy Guidance, FHFA may +reasonably make such distinctions. +Accordingly, FHFA is following the +CFPB’s intended privacy determinations +for the PUDB (with one minor change to +conform to FHFA’s regulatory definition +of small multifamily properties). + +II. Changes to Enterprise Reporting +Requirements and PUDB Disclosures + +A. HMDA Data Review and New +Reporting Requirements + +As discussed above in Section I.A., +FHFA requires the Enterprises to report +the HMDA data they collect from loan +sellers for publication in the PUDB. +Accordingly, FHFA must periodically +review Enterprise data collections to +ascertain whether they contain HMDA +data that must be included in the PUDB. diff --git a/chunks/txt/dd9331e5292d395a59e1a8d3cb29b1013793e4def2e4ac2db6aa74906e168b18.txt b/chunks/txt/dd9331e5292d395a59e1a8d3cb29b1013793e4def2e4ac2db6aa74906e168b18.txt new file mode 100644 index 0000000000000000000000000000000000000000..b81f7ee31fdc7e9fd45feef111d7e4059fcba8a7 --- /dev/null +++ b/chunks/txt/dd9331e5292d395a59e1a8d3cb29b1013793e4def2e4ac2db6aa74906e168b18.txt @@ -0,0 +1,20 @@ +​​Chairman Sherman, Ranking Member Huizenga, and distinguished members of the Subcommittee, thank you for the opportunity to appear at today’s hearing. My name is Dan Coates. I serve as the Senior Associate Director of Risk Analysis and Modeling in the Federal Housing Finance Agency’s (FHFA)... + - Testimony + +September 10, 2019 + +## [Statement of Dr. Mark A. Calabria, FHFA Director, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-dr.-mark-a.-calabria-fhfa-director-before-the-u.s.-senate-committee-on-banking-housing-0) + +Testimony Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs “Housing Finance Reform: Next Steps" Dr. Mark A. Calabria – Director, Federal Housing Finance Agency Tuesday, September 10, 2019 Chairman Crapo, Ranking Member Brown, and distinguished members of the Committee, thank... + - Testimony + +May 23, 2018 + +## [Statement of Melvin L. Watt, Director, FHFA, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-melvin-l.-watt-director-fhfa-before-the-u.s.-senate-committee-on-banking-housing-and-1) + +Statement of Melvin L. Watt Director, Federal Housing Finance Agency "Ten Years of Conservatorship: The Status of the Housing Finance System" Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs May 23, 2018 Chairman Crapo, Ranking Member Brown, and Members of the Committee, thank... + - Testimony + +May 11, 2017 + +## [Statement of Melvin L. Watt, Director, FHFA, Before the U.S. Senate Committee on Banking, Housing, and Urban Affairs](/news/testimony/statement-of-melvin-l.-watt-director-fhfa-before-the-u.s.-senate-committee-on-banking-housing-and-0) diff --git a/chunks/txt/dd943878d7563e6646c676681e424f3badd73cd9f7a4c0c90129f42bf99167de.txt b/chunks/txt/dd943878d7563e6646c676681e424f3badd73cd9f7a4c0c90129f42bf99167de.txt new file mode 100644 index 0000000000000000000000000000000000000000..1dbb78fecc5c9cb7703f68285be372d6adf86ae7 --- /dev/null +++ b/chunks/txt/dd943878d7563e6646c676681e424f3badd73cd9f7a4c0c90129f42bf99167de.txt @@ -0,0 +1,150 @@ +S +U +B +J +E +C +T + +C +O +N +T +R +A +C +T + +N +E +I +G +H +B +O +R +H +O +O +D + +P +R +O +J +E +C +T + +S +I +T +E + +P +R +O +J +E +C +T + +I +N +F +O +R +M +A +T +I +O +N + +Unit # +City +Owner of Public Record + +Individual Condominium Unit Appraisal Report (Hybrid) +The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property. +Property Address +Borrower +Legal Description +Assessor’s Parcel # +Project Name +Occupant +Property Rights Appraised +Assignment Type +Lender/Client +Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? +Report data source(s) used, offering price(s), and date(s). + +Phase # +Special Assessments $ + +Tax Year +Map Reference + +R.E. Taxes $ +Census Tract + +Purchase Transaction + +Refinance Transaction + +State +County + +HOA $ + +Other (describe) + +Other (describe) + +Fee Simple + +Leasehold + +per year + +Zip Code + +Tenant + +Owner + +Address + +Vacant + +Yes + +File # + +No + +per month + +I + did +performed. + +did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not + +Contract Price $ +Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? +If Yes, report the total dollar amount and describe the items to be paid. + +Is the property seller the owner of public record? + +No Data Source(s) + +Date of Contract + +Yes + +Yes + +No + +Note: Race and the racial composition of the neighborhood are not appraisal factors. diff --git a/chunks/txt/dda01a19186c8e62bab7da65d44dbbea30bf8291c0e79267e6e8d1f0e446dde3.txt b/chunks/txt/dda01a19186c8e62bab7da65d44dbbea30bf8291c0e79267e6e8d1f0e446dde3.txt new file mode 100644 index 0000000000000000000000000000000000000000..8b1c5c4d97e2cbff1f443549a8fc6f50eb988bb2 --- /dev/null +++ b/chunks/txt/dda01a19186c8e62bab7da65d44dbbea30bf8291c0e79267e6e8d1f0e446dde3.txt @@ -0,0 +1,169 @@ +.PROPERTY +..STRUCTURE +...AMENITY +Amenity Type** + +Amenity Type Other Description** + +Amenity Exists Indicator** + +Amenity Count** + +Amenity Detailed Description** + +.PROPERTY +..STRUCTURE +...CAR_STORAGE +Car Storage Exists Indicator** + +Attachment Type + +Parking Space Identifier + +Parking Spaces Count + +Parking Space Assignment Type + +.PROPERTY +..STRUCTURE + +UAD Consolidated Schema Matrix +Appendix B: GSE Appraisal Forms Mapping + +Page 11 of 211 + +Document Version 1.4 + +MISMO Data Point Name + +1004/70 + +1004 +Hybrid/ +70H + +1004 +Desktop/ +70D + +2055 + +1073/465 + +1073 +Hybrid/ +465H + +1073 +Desktop/ +465D + +1075/466 + +...CAR_STORAGE +.…CAR_STORAGE_LOCATION +Car Storage Location Type** + +Car Storage Location Exists Indicator** + +Parking Spaces Count + +.PROPERTY +..STRUCTURE +...STRUCTURE_ANALYSIS_EXTENSION +.…STRUCTURE_ANALYSIS_EXTENSION_SECTION +Extension Section Organization Name +…..STRUCTURE_ANALYSIS_EXTENSION_SECTION_DATA +……EFFECTIVE_AGE +GSE Effective Age Description + +.PROPERTY +..STRUCTURE +..._UNIT +Floor Identifier + +Level Count + +Unit Identifier + +.PROPERTY +..STRUCTURE +…OVERALL_CONDITION_RATING_EXTENSION +....OVERALL_CONDITION_RATING_EXTENSION_SECTION +Extension Section Organization Name +.....OVERALL_CONDITION_RATING_EXTENSION_SECTION_DATA +...…OVERALL_CONDITION_RATING +GSE Update Last Fifteen Year Indicator + +.PROPERTY +..STRUCTURE +...CONDITION_DETAIL_EXTENSION +....CONDITION_DETAIL_EXTENSION_SECTION +Extension Section Organization Name +.....CONDITION_DETAIL_EXTENSION_SECTION_DATA + +R,T* + +R,T* + +R,T* + +R,T* + +R,T* + +R,T* + +R,T* + +R,T* + +T + +R + +T + +T + +T + +R + +T + +T + +T + +R + +T + +T + +T + +R + +T + +T + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A diff --git a/chunks/txt/dda6a4b19e21f2ad2c55dfdaf5f1172a60419fee4c1bf03e149def29c3a690c9.txt b/chunks/txt/dda6a4b19e21f2ad2c55dfdaf5f1172a60419fee4c1bf03e149def29c3a690c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..f3a613446308f15fdd2b1d2c967536c70b944efe --- /dev/null +++ b/chunks/txt/dda6a4b19e21f2ad2c55dfdaf5f1172a60419fee4c1bf03e149def29c3a690c9.txt @@ -0,0 +1,33 @@ +Submission Summary Report (SSR) Guide +for UAD 3.6 + +August 2025 + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. + +Introduction + +The Submission Summary Report (SSR) is a document accessed through the Uniform Collateral Data Portal® +(UCDP®) that provides a consolidated view of all appraisal report file submissions associated with a loan, +submission status, and rule validation results. + +To support the Uniform Appraisal Dataset (UAD) and Forms Redesign Initiative, which introduced a +redesigned single, dynamic Uniform Residential Appraisal Report (URAR), the SSR was updated to align with +the new flexible URAR format. The UAD 3.6 SSR can be retrieved through UCDP for Fannie Mae and Freddie +Mac (the GSEs) after a submission of a valid UAD 3.6 ZIP file. + +Enhancements to the UAD 3.6 SSR +Additional SSR File Format Output +The UAD 3.6 SSR introduces two enhancements to its output format: + +• A comprehensive redesign of the SSR PDF that incorporates color to emphasize submission status and highlight +key fields, along with a reorganized layout designed to improve readability. The report also features dynamic fields +that appear only when applicable and aligns to the requirements of the UAD 3.6 dataset. diff --git a/chunks/txt/ddaeee577f947ef66cfa665deec2438f71e93c8e4b10d0800973f4245154f5ee.txt b/chunks/txt/ddaeee577f947ef66cfa665deec2438f71e93c8e4b10d0800973f4245154f5ee.txt new file mode 100644 index 0000000000000000000000000000000000000000..f9e289141c0aac79afab8b90dead549ec853df3f --- /dev/null +++ b/chunks/txt/ddaeee577f947ef66cfa665deec2438f71e93c8e4b10d0800973f4245154f5ee.txt @@ -0,0 +1,57 @@ +the maximum number of months of regular common +expense assessments permitted under the applicable +jurisdiction’s law as of January 14, 2014, may have priority +over Fannie Mae’s mortgage lien, provided that if the +applicable jurisdiction’s law as of that date referenced an +exception for Fannie Mae’s requirements, then no more +than six months of regular common expense assessments +may have priority over Fannie Mae’s mortgage lien. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 134 of 166 + +UAD 3.6 Policy + +If the condo or PUD project... + +Then... + +is located in any other jurisdiction, + +no more than six months of regular common expense +assessments may have priority over Fannie Mae’s +mortgage lien, even if applicable law provides for a longer +priority period. + +Notwithstanding any provisions to the contrary in the Guide, which do not require the lender to represent or warrant compliance +with Fannie Mae project legal document requirements, the condo or PUD project legal documents must evidence compliance +with the above priority of common expense assessment requirements. + +Delivery Requirements + +When delivering a loan for a unit located in a project, the lender must provide the Project Type Code and any applicable special +feature codes as shown in the following table. The lender must also report all other applicable special feature code(s), including +those specified in a variance in the Lender Contract and in the Special Feature Codes document on Fannie Mae's website. + +Project Type Code + +Description + +E + +F + +P + +Q + +R + +S + +Established PUD project + +New PUD project + +Limited Review—New condo project diff --git a/chunks/txt/ddba26ecf7aef89bcf8a4849c191a09ee895d68135cee2634b692db7491cbe9e.txt b/chunks/txt/ddba26ecf7aef89bcf8a4849c191a09ee895d68135cee2634b692db7491cbe9e.txt new file mode 100644 index 0000000000000000000000000000000000000000..22715db533fbe7b782cccd252823b4c0328f4360 --- /dev/null +++ b/chunks/txt/ddba26ecf7aef89bcf8a4849c191a09ee895d68135cee2634b692db7491cbe9e.txt @@ -0,0 +1,60 @@ +Loan Type: Loan Type is an + +unchanged HMDA data element that +indicates whether the loan was insured +by the Federal Housing Administration, +guaranteed by the Department of +Veterans Affairs, guaranteed by the +Rural Housing Service or the Farm +Service Agency, or Conventional.158 The +current PUDB Multifamily Census Tract +File includes a data element for Federal + +acquisition UPB is allocated among the properties +in the multifamily data collected by the Enterprises. + +155 84 FR at 661. +156 12 CFR 1003.4(a)(8)(i)(A) and (ii). +157 12 CFR 1003.4(a)(8)(A). +158 12 CFR 1003.4(a)(2). + +Guarantee which conforms with HMDA +Loan Type. Federal Guarantee will +continue to be disclosed without +modification in the PUDB Multifamily +Census Tract File, in conformance with +the CFPB Privacy Guidance.159 + +Property Location: Property Location + +is an unchanged HMDA element that +indicates the State, County, and Census +Tract location of the mortgaged +property.160 These data values are +currently disclosed without +modification in the PUDB Multifamily +Census Tract File, in conformance with +the CFPB Privacy Guidance.161 They +will continue to be disclosed in this +manner in this File. + +Type of Purchaser: Type of Purchaser + +is a modified HMDA data element that +indicates the type of purchaser for loans +sold within the same calendar year as +origination.162 This includes separate +values for Fannie Mae and Freddie +Mac.163 All Files in the current +Multifamily PUDB include an +Enterprise Flag, which is equivalent to +the HMDA Type of Purchaser values for +Fannie Mae and Freddie Mac. For +purposes of the PUDB, the other Type +of Purchaser values are not relevant +because, by definition, all PUDB loans +were purchased by the Enterprises. The +Enterprise Flag will continue to be +disclosed without modification in all +Multifamily PUDB Files, including the +Census Tract File. diff --git a/chunks/txt/ddbfc10fbeed1551eb673195ee39d4b1337626dbc6263e80855b6aa099398bbd.txt b/chunks/txt/ddbfc10fbeed1551eb673195ee39d4b1337626dbc6263e80855b6aa099398bbd.txt new file mode 100644 index 0000000000000000000000000000000000000000..e9cd60c82bb40adfebe996773bc936923da2a56d --- /dev/null +++ b/chunks/txt/ddbfc10fbeed1551eb673195ee39d4b1337626dbc6263e80855b6aa099398bbd.txt @@ -0,0 +1,64 @@ +4.0(cid:28)(cid:28) + +Feature +4.(cid:20)(cid:19)(cid:19) + +Location +4.(cid:20)(cid:19)(cid:20) + +Description +4.(cid:20)(cid:19)(cid:21) + +Affects Soundness or +Structural Integrity +4.(cid:20)(cid:19)(cid:22) + +Recommended +Action +4.(cid:20)(cid:19)(cid:23) + +Site Valuation Methodology + +Opinion of Site Value + +4.(cid:20)(cid:19)(cid:24) + +# +4.(cid:20)(cid:19)(cid:26) + +Address +4.(cid:20)(cid:19)(cid:27) + +County +4.(cid:20)(cid:19)(cid:28) + +Data Source +4.(cid:20)(cid:20)(cid:19) + +Reconciliation of Site Value + +4.(cid:20)(cid:20)(cid:24) + +Site Commentary +4.(cid:20)(cid:20)(cid:25) + +Site Exhibits + +Primary Site Valuation Method + +4.(cid:20)(cid:19)(cid:25) + +Assessor Parcel +Number (APN) +4.(cid:20)(cid:20)(cid:20) + +Site Size +4.(cid:20)(cid:20)(cid:21) + +Sale Date +4.(cid:20)(cid:20)(cid:22) + +Price +4.(cid:20)(cid:20)(cid:23) + +4.(cid:20)(cid:20)(cid:26)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:23)(cid:17)(cid:20)(cid:20)(cid:26)(cid:17)(cid:21) diff --git a/chunks/txt/ddc100f0387bc98cb328246a519da362f6db9df8e6d8e4a868e4cdf472a45691.txt b/chunks/txt/ddc100f0387bc98cb328246a519da362f6db9df8e6d8e4a868e4cdf472a45691.txt new file mode 100644 index 0000000000000000000000000000000000000000..1dd7455489dfd96e09f392342d1b0d84b587ace6 --- /dev/null +++ b/chunks/txt/ddc100f0387bc98cb328246a519da362f6db9df8e6d8e4a868e4cdf472a45691.txt @@ -0,0 +1,33 @@ +## [Retired Loss Mitigation Solutions](/programs/retired-loss-mitigation-solutions) + +*Page Last Updated: November 1, ​2023​​​​​* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/ddc84ad8678fe2469c6b45e06648b903b8132ca40c65ec985eaaf013db4fce36.txt b/chunks/txt/ddc84ad8678fe2469c6b45e06648b903b8132ca40c65ec985eaaf013db4fce36.txt new file mode 100644 index 0000000000000000000000000000000000000000..e7c50b34703c7095311f679fb79b273185850857 --- /dev/null +++ b/chunks/txt/ddc84ad8678fe2469c6b45e06648b903b8132ca40c65ec985eaaf013db4fce36.txt @@ -0,0 +1,20 @@ +Uniform Residential Appraisal Report + +Page 16 of 18 +Page 16 of 18 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. + +Scope of Work + +The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, +the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the +applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject +property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property +reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. diff --git a/chunks/txt/ddd82935dbb9d0eb8818b08782dcd68fb6dd44055d8846f49863ca7d3fa1e1b4.txt b/chunks/txt/ddd82935dbb9d0eb8818b08782dcd68fb6dd44055d8846f49863ca7d3fa1e1b4.txt new file mode 100644 index 0000000000000000000000000000000000000000..ea30ec5b7359bb7cb40e057251a67a24576ccc6a --- /dev/null +++ b/chunks/txt/ddd82935dbb9d0eb8818b08782dcd68fb6dd44055d8846f49863ca7d3fa1e1b4.txt @@ -0,0 +1,7 @@ +(i) American Indian or Alaskan Native - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the original peoples of North and South America (including Central America), and who maintains Tribal affiliation or community attachment; + +(ii) Asian - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the original peoples of the Far East, Southeast Asia, or the Indian subcontinent, including, for example, Cambodia, China, India, Japan, Korea, Malaysia, Pakistan, the Philippine Islands, Thailand, and Vietnam; + +(iii) Black or African American - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the black racial groups of Africa; + +(iv) Hispanic or Latino - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) of Cuban, Mexican, Puerto Rican, South or Central American, or other Spanish culture or origin, regardless of race; and diff --git a/chunks/txt/dde0134e9db11216f921871fea943b895d9d4bcbc66d68fa67ac73fa9c9c780c.txt b/chunks/txt/dde0134e9db11216f921871fea943b895d9d4bcbc66d68fa67ac73fa9c9c780c.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6ec7d177eb54909f60e4199effb6fa01e8ab0db --- /dev/null +++ b/chunks/txt/dde0134e9db11216f921871fea943b895d9d4bcbc66d68fa67ac73fa9c9c780c.txt @@ -0,0 +1,13 @@ +### Introduction + +The Enterprise Public Use Database (PUDB) is released annually to meet FHFA’s requirement under 12 U.S.C. 4543 and 4546(d) to publicly disclose data about the Enterprises’ single-family and multifamily mortgage acquisitions. The datasets supply mortgage lenders, planners, researchers, policymakers, and housing advocates with information concerning the flow of mortgage credit in America’s neighborhoods. + +### Description + +**Single-Family**: The Enterprise PUDB single-family datasets include loan-level records that include data elements on the income, race, and sex of each borrower as well as the census tract location of the property, loan-to-value (LTV) ratio, age of mortgage note, and affordability of the mortgage. + +Beginning with data for mortgages acquired in 2018, FHFA ordered that the Enterprise PUDB be expanded to include additional data that is the same as the data definitions used by the regulations implementing the Home Mortgage Disclosure Act, as required by 12 U.S.C. 4543(a)(2) and 4546(d)(1). New since the 2018 PUDB are the inclusion of the borrower’s debt-to-income (DTI) ratio and detailed LTV ratio data at the census tract level. + +**Multifamily**: The Enterprise PUDB multifamily property-level datasets include information on the unpaid principal balance and type of seller/servicer from which the Enterprise acquired the mortgage. The multifamily unit-class files also include information on the number and affordability of the units in the property. + +Both the single-family and multifamily datasets include indicators of whether the purchases are from “underserved” census tracts, as defined in terms of median income and minority percentage of population. New since the 2018 PUDB is the inclusion of property size data at the census tract level. diff --git a/chunks/txt/ddf7fa27815fc5a94bc9c5fdccf422d07d2d42f8b20cf7f0de04c97caf30a0cb.txt b/chunks/txt/ddf7fa27815fc5a94bc9c5fdccf422d07d2d42f8b20cf7f0de04c97caf30a0cb.txt new file mode 100644 index 0000000000000000000000000000000000000000..435644ecf9cc62b98aa423d1927d94e1b4df810d --- /dev/null +++ b/chunks/txt/ddf7fa27815fc5a94bc9c5fdccf422d07d2d42f8b20cf7f0de04c97caf30a0cb.txt @@ -0,0 +1,104 @@ +4.3.3 +(3) | +19.3 + +4.3.2 + +Table 65. AP Table Reference + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +• See AP Table on +page 4 for details + +…/AMORTIZATION_ +RULE + +AmortizationType + +GraduatedPayment + +Can this amount +increase…? + +…/LOAN_DETAIL + +PaymentIncreaseIn +dicator + +true + +Represented as +“See AP Table on +page 4 for details” +in Loan Terms table + +Represented as +“YES” on form + +4. 4 PREPAYMENT PENALTY + +The Loan Terms table includes a statement about whether the loan includes a prepayment penalty feature. The +Regulation defines a prepayment penalty as a charge for paying all or part of a transaction’s principal before the + +Appendix E: UCD Implementation Guide + +Page 75 of 254 + +Version 1.4 + +Uniform Closing Dataset + +4.0 Loan Terms + +date on which the principal is due. No dollar amount is necessary, but the maximum penalty and prepayment +term must be provided. + +4. 4. 2 DOES THE LOAN HAVE T HESE FEATURES? + +The first column in the Loan Terms table to be completed indicates whether the loan has a prepayment penalty. + +a. NO—LOAN DOES NOT HAV E A PREPAYMENT PENAL TY + +If the loan does not have a prepayment penalty, it is reflected on the form as illustrated in the figure below, +based on the data point shown in the following excerpt. + +4.0 Loan Terms + +4.3 Monthly Principal & Interest +See Projected Payments below for your +Estimated Total Monthly Payment + +4.4 Prepayment Penalty + +4.5 Balloon Payment + +4.3.1 $761.78 + +4.3.2 NO + +4.3.3 + +Does the loan have these features? +4.4.2 NO + +4.4.3 + +4.5.2 NO + +4.4.3 + +Figure 48. Loan Does Not Have Prepayment Penalty + +Table 66. Loan Does Not Have Prepayment Penalty Feature diff --git a/chunks/txt/de068f7a21fe4af33492f0653e670f728835d050eb91581af4b45f4831312e8c.txt b/chunks/txt/de068f7a21fe4af33492f0653e670f728835d050eb91581af4b45f4831312e8c.txt new file mode 100644 index 0000000000000000000000000000000000000000..ac1585af01e5a2d8b4088c5cd9785bc0d99006f5 --- /dev/null +++ b/chunks/txt/de068f7a21fe4af33492f0653e670f728835d050eb91581af4b45f4831312e8c.txt @@ -0,0 +1,156 @@ +Page 100 + +Appendix B-1: URAR Implementation Guide v1.3 + +Assignment Information: Contact Information – Property Data Report + +Page 101 + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +2.053 + +Name + +1000.0186 + +FirstName + +1000.0188 + +MiddleName + +1000.0187 + +LastName + +1000.0189 + +SuffixName + +2.054 + +2.055 + +Occupation + +1000.0195 + +PrimaryOccupationType + +Company Name + +1000.0190 + +FullName + +2.056 + +Company Address + +1000.0191 + +AddressLineText + +1000.0192 + +CityName + +1000.0194 + +StateCode + +1000.0193 + +PostalCode + +Display Rules + +When PartyRoleType (UID: 2400.0300, FID: Not on report) = +“PropertyDataCollector” and PropertyDataIdentifier UID: +1000.0043, UID: 2.005) = “true” … + +Display when provided + +Display when provided + +Display when provided + +Display when provided + +… displays + +… displays + +… displays + +… displays + +… displays + +… displays + +2.057 + +Reference ID + +2400.0088 + +InspectorFileIdentifier + +Display when provided + +Subject Property Inspection + +2.058 + +2.059 + +2.060 + +Exterior + +Interior + +1000.0132 + +PropertyExteriorInspectionMethodType + +1000.0133 + +PropertyInteriorInspectionMethodType + +Inspection Date + +1000.0119 + +InspectionDate + +… displays + +… displays + +… displays + +… displays + +Appendix B-1: URAR Implementation Guide v1.3 + +Property Data Collector + +Page 102 + +Assignment Information and Scope of Work Commentary + +The Assignment Information and Scope of Work Commentary subsection displays only when comments are provided. Any commentary +must use ValuationCommentText (UID: 0100.0044, FID: 2.061) and ValuationAnalysisCategoryType (UID: 0100.0045, FID: 2.061) = +“Assignment”. + +Appendix B-1: URAR Implementation Guide v1.3 diff --git a/chunks/txt/de120ab3254fc99a4c969f524b6787f0a419df8509d0ada166a37f98e5b3b248.txt b/chunks/txt/de120ab3254fc99a4c969f524b6787f0a419df8509d0ada166a37f98e5b3b248.txt new file mode 100644 index 0000000000000000000000000000000000000000..fce9feb94bd8253be5dd7e1d582c500b9dcb366b --- /dev/null +++ b/chunks/txt/de120ab3254fc99a4c969f524b6787f0a419df8509d0ada166a37f98e5b3b248.txt @@ -0,0 +1,17 @@ +- [2022-2024 All Rural Tracts Map](/data/dashboard/dts/all-rural-tracts-map/2023) + +- ## High-Needs Counties Interactive Map + +The Duty to Serve High-Needs Counties Map is an interactive map that highlights counties where census tracts that are categorized as Duty to Serv High-Needs Rural Regions are located. These include Persistent Poverty Counties, Middle Appalachia, Lower Mississippi Delta, and Colonias. Effective July 1, 2023, [**amendments to the Duty to Serve regulation**](/regulation/federal-register/final-rule/enterprise-duty-to-serve-underserved-markets-colonia-census-tract-amendments) modify the definition of "rural area" to include all "colonia census tracts" that would not otherwise satisfy the definition. + +- [2023 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2023) + - [2022 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2022) + - [2021 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2021) + - [2020 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2020) + - [2018 High-Needs Counties Interactive Map](/data/dashboard/dts/high-needs-counties-map/2018) + +- ## High-Needs Counties with Colonias Tracts Map + +- [2023 High-Needs Counties with Colonias Tracts Map](/data/dashboards/dts/high-needs-counties-map-with-colonias-tracts/2023) + +*Page Last Updated: 3/21/2025​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​* diff --git a/chunks/txt/de1677fa7a13155ee740ee973e5e31edf651596007477fc5a1f47b4d5f59d1fb.txt b/chunks/txt/de1677fa7a13155ee740ee973e5e31edf651596007477fc5a1f47b4d5f59d1fb.txt new file mode 100644 index 0000000000000000000000000000000000000000..c550c8db2110d202b3bf9600169f57a5875fff91 --- /dev/null +++ b/chunks/txt/de1677fa7a13155ee740ee973e5e31edf651596007477fc5a1f47b4d5f59d1fb.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/16931","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/de2fe3036bf768a909b99afeed62f9082208152e413490fb27deacc96ea475c1.txt b/chunks/txt/de2fe3036bf768a909b99afeed62f9082208152e413490fb27deacc96ea475c1.txt new file mode 100644 index 0000000000000000000000000000000000000000..9c0d634018cd04c195f0508ec7a4789af4760cda --- /dev/null +++ b/chunks/txt/de2fe3036bf768a909b99afeed62f9082208152e413490fb27deacc96ea475c1.txt @@ -0,0 +1,83 @@ +Dollar amount + +Dollar amount + +Outbuilding External Depreciation Amount +Calculated: Outbuilding External Depreciation Percent x sum of all the Area +Type Costs for the outbuilding. + +Total Depreciation for Outbuilding: The lump sum accumulated monetary loss +in value for the reproduction or replacement cost of the outbuilding from all +causes of depreciation. + +Appendix F-1: URAR Reference Guide + +Page 316 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +25 Cost Approach + +Manufactured Home Delivery, Installation and Setup for the Outbuilding + +Cost Approach – Manufactured Home Delivery, Installation and Setup (Outbuilding) + +Report +Field ID + +Report Label + +When to Include + +25.028 Manufactured +Home Delivery, +Installation, and +Setup + +Required if +Outbuilding Type is +Manufactured Home + +Allowable +Answers / Format + +Dollar amount + +Definition / Additional Guidance + +The total amount associated with the delivery, installation and setup costs for a +manufactured home. If the specific amount is unavailable from the invoice, +provide a reasonable estimate, and explain in Cost Approach Commentary. + +Estimated Outbuilding Cost (Total) + +Cost Approach – Total Depreciated Cost (Outbuilding) + +Report +Field ID + +Report Label + +When to Include + +25.036 Total + +Required for each +outbuilding + +Allowable +Answers / Format + +Dollar amount + +Definition / Additional Guidance + +Estimated Outbuilding Cost: The estimated cost of the outbuilding, including all +costs to replace or reproduce the dwelling, the applicable depreciation, and any +applicable delivery, installation, and setup fee. + +Calculated for the outbuilding: +• +Add the following: diff --git a/chunks/txt/de3304aac59a913dba4e4a62f9145675937bee41dc5b682af8b00f67255b9e1a.txt b/chunks/txt/de3304aac59a913dba4e4a62f9145675937bee41dc5b682af8b00f67255b9e1a.txt new file mode 100644 index 0000000000000000000000000000000000000000..56bde802f56151b5778d225e1f610532f78aeb9d --- /dev/null +++ b/chunks/txt/de3304aac59a913dba4e4a62f9145675937bee41dc5b682af8b00f67255b9e1a.txt @@ -0,0 +1,136 @@ +Condition Status +Typical Wear and Tear + +Condition Comment +Evidence of possible termite +infestation. + +Typical Wear and Tear + +Typical Wear and Tear + +Minimal wear and tear with +limited physical depreciation. + +Semi-custom + +Typical Wear and Tear + +Minimal wear and tear with +limited physical depreciation. + +Core Heating System Below Grade + +Other Mechanical Systems + +Water Heater + +Yes No +  + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Dwelling Exterior + +Exterior Walls and Trim + +Location + +Description + +Lower right corner of +rear wall + +Possible termite infestation + +Mechanical System + +Below grade area + +The hot water heater is not operational. No +hot water. + +Affects Soundness or +Structural Integrity + +Recommended +Action + +No + +No + +Inspection + +Repair + +Dwelling Exterior Commentary + +The subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear +and tear. + +Unit Interior + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +3,308 Sq. Ft. +0 Sq. Ft. +720 Sq. Ft. +72 Sq. Ft. +Assessor Record +MLS +Physical Measurement + +Below Grade Finish Compared +to Above + +Similar + +Level and Room Detail + +Level in Unit +Level B1 + +Grade Level Detail +Partially Below Grade +Interior and Exterior Access +Walk Out + +Level 1 + +Above Grade + +Level 2 + +Level 3 + +Above Grade + +Above Grade + +Finish +Finished + +Unfinished + +Finished + +Finished + +Finished + +Levels in Unit +Occupancy +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half diff --git a/chunks/txt/de5f4957efa82ff7e3bdf1aa54252e617c3a891bbf4715b2c4bafe716cda811b.txt b/chunks/txt/de5f4957efa82ff7e3bdf1aa54252e617c3a891bbf4715b2c4bafe716cda811b.txt new file mode 100644 index 0000000000000000000000000000000000000000..bfde56150d3a58dee3c8f810db892fd69daf4353 --- /dev/null +++ b/chunks/txt/de5f4957efa82ff7e3bdf1aa54252e617c3a891bbf4715b2c4bafe716cda811b.txt @@ -0,0 +1,139 @@ +2 + +2 + +5 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Specify Above Grade Rooms Only + +PDF Display Format: +Whole numbers only. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Specify Above Grade Bedrooms Only + +PDF Display Format: +Whole numbers only. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Specify Above Grade Bathroom Only + +Numeric + +Numeric + +Numeric + +PDF Display Format: +Full Bath Count.Half Bath Count +nn.nn + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +R + +R + +R + +CR + +CR + +CR + +CR + +CR + +CR + +R + +R + +R + +R + +R + +R + +R + +R + +R + +The sum of this field 2-78 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, +2-71, 2-73, 2-74, 2-80, 2-82, 2-84, 2-86, 2- +88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must +add up to Net Adjustment field 2-103. + +CR + +CR + +CR + +334 + +2 + +79 + +SALES +COMPARISON +APPROACH + +Above Grade Room +Count +Gross Living Area Sq.Ft. + +Sale Price +Adjustment +Description + +335 + +2 + +80 + +SALES +COMPARISON +APPROACH + +Gross Living Area Sq.Ft. +Adjustment + +Sale Price +Adjustment Amount + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Gro +ssLivingArea']/@_Description + +The dollar amount of the adjustment +applied to the sale price for the +property feature identified by Sale +Price Adjustment Type. diff --git a/chunks/txt/de63f591e90e27da374c8f941a5894cc7a68ac8e41ffc2a97d21219aafe58467.txt b/chunks/txt/de63f591e90e27da374c8f941a5894cc7a68ac8e41ffc2a97d21219aafe58467.txt new file mode 100644 index 0000000000000000000000000000000000000000..6aa1360e3fbfc50592cee2ddbcb87125fccb2fd7 --- /dev/null +++ b/chunks/txt/de63f591e90e27da374c8f941a5894cc7a68ac8e41ffc2a97d21219aafe58467.txt @@ -0,0 +1,131 @@ +L1. Property and Loan Information + +The Lender will need to provide certain details regarding the loan transaction. These details can include +information around the subject property or borrower residing in a Community Property State, items +related to a Construction Loan, Refinance Type and Program, information on Energy Improvements, and +the associated Project Type for the subject property. + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +28 + +When a UAD 3.6 Uniform Residential Appraisal Report has single or multiple construction method +types associated with the dwelling, follow the guidance in the tables below: + +Single Construction Method Type + +Value Reported in UAD + +Report This value in + +DU + +UCD + +ULDD + +Manufactured + +Manufactured Manufactured + +Manufactured + +OnFrameModular + +SiteBuilt + +SiteBuilt + +Modular + +SiteBuilt + +SiteBuilt + +SiteBuilt + +SiteBuilt + +SiteBuilt + +SiteBuilt + +SiteBuilt + +SiteBuilt + +Container + +SiteBuilt + +Container + +Container + +ThreeDimensionalPrintin +gTechnology + +SiteBuilt + +ThreeDimensionalPrintingTe +chnology + +ThreeDimensionalPrintingTec +hnology + +Multiple Construction Method Type + +Values Reported in UAD + +Report This Value in + +DU + +UCD + +ULDD + +Manufactured And SiteBuilt + +Manufactured + +Manufactured + +Manufactured + +Manufactured And OnFrameModular Manufactured + +Manufactured + +Manufactured + +Manufactured And Modular + +Manufactured + +Manufactured + +Manufactured + +Manufactured And Container + +Manufactured + +Manufactured + +Manufactured + +Manufactured And +ThreeDimensionalPrintingTechnology + +Manufactured + +Manufactured + +Manufactured + +SiteBuilt And OnFrameModular + +SiteBuilt diff --git a/chunks/txt/de6d92d9c7e61ecb97662d193d74aa2f7f1f378076e801e09b3f4c998000443d.txt b/chunks/txt/de6d92d9c7e61ecb97662d193d74aa2f7f1f378076e801e09b3f4c998000443d.txt new file mode 100644 index 0000000000000000000000000000000000000000..e351b99629161630169deee4cac7ca47910f9332 --- /dev/null +++ b/chunks/txt/de6d92d9c7e61ecb97662d193d74aa2f7f1f378076e801e09b3f4c998000443d.txt @@ -0,0 +1,6 @@ +--- +source_url: "https://guide.freddiemac.com/app/guide/bulletin/2025-7" +date_accessed: "2026-01-27T17:46:11.015Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-KZFS9PD]* diff --git a/chunks/txt/de6dbfa35a884ffb76801c25bb6841af3bfc63f9180caea2aa6d64e7e7166d86.txt b/chunks/txt/de6dbfa35a884ffb76801c25bb6841af3bfc63f9180caea2aa6d64e7e7166d86.txt new file mode 100644 index 0000000000000000000000000000000000000000..f6addc25895cac5f44e30a602afd8b3eb859d283 --- /dev/null +++ b/chunks/txt/de6dbfa35a884ffb76801c25bb6841af3bfc63f9180caea2aa6d64e7e7166d86.txt @@ -0,0 +1,48 @@ +05.020 + +9. I have summarized my analysis and conclusions in this appraisal update and retained all supporting data in my work file. + +05.021 + +10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable +condition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the +soundness or structural integrity of the property. + +Update Version # + +HF.002 + +Fannie Mae | Freddie Mac +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) + +HF.003 +HF.004 + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +HF.005 +HF.006 +HF.007 +HF.008 + +Restricted Appraisal Update Report + +HF.001 + +Page [Page] of [Pages] + +10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable +condition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or +structural integrity of the property. + +10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of +the improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known +physical deficiencies that could affect the soundness or structural integrity of the property. + +05.022 + +11. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. diff --git a/chunks/txt/de7131bcbd6f5ced946651f62e0ccdda9e2e5951f3e42155d829513e8e5c3626.txt b/chunks/txt/de7131bcbd6f5ced946651f62e0ccdda9e2e5951f3e42155d829513e8e5c3626.txt new file mode 100644 index 0000000000000000000000000000000000000000..c743a86232ffba781f2dd18ee72841bbc1807bc0 --- /dev/null +++ b/chunks/txt/de7131bcbd6f5ced946651f62e0ccdda9e2e5951f3e42155d829513e8e5c3626.txt @@ -0,0 +1,96 @@ +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +22.15.15 + +Indicated Value Always required + +Dollar amount + +Definition / Additional Guidance + +The indicated value of the subject property as determined by the Sales +Comparison Approach method of property valuation. + +Reconciliation of Sales Comparison Approach + +Sales Comparison Approach – Reconciliation of Sales Comparison Approach + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +22.16.01 Reconciliation + +Always required + +Free-form + +of Sales +Comparison +Approach + +Definition / Additional Guidance + +Report additional details and analysis to support conclusions, including how +Comparable Weight was determined. + +Note: Overall reconciliation of value is reported in the Reconciliation section. + +Appendix F-1: URAR Reference Guide + +Page 276 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Additional Properties Analyzed Not Used + +The Additional Properties Analyzed Not Used subsection displays when relevant: +• +• As part of any reconsideration process + +Initially, for the appraiser to provide additional context, or + +Note: Do not include land sales here. When relevant, these are reported in the Site Valuation Methodology subsection of Site (4.105-4.115), or in +Cost Approach (25.040-25.050). + +Sales Comparison Approach – Additional Properties Analyzed Not Used + +Definition / Additional Guidance + +Report +Field ID + +Report Label + +When to Include + +22.17.01 # + +22.17.02 Property +Address + +Required for each +additional property + +Required for each +additional property + +22.17.03 Sale Date diff --git a/chunks/txt/de91340036d67c5ab67abb3ee1e12878576a7046084464de83a8bf7d462eb157.txt b/chunks/txt/de91340036d67c5ab67abb3ee1e12878576a7046084464de83a8bf7d462eb157.txt new file mode 100644 index 0000000000000000000000000000000000000000..6fd04bd1feaa01d175d5d035e6fb77ce97caeee6 --- /dev/null +++ b/chunks/txt/de91340036d67c5ab67abb3ee1e12878576a7046084464de83a8bf7d462eb157.txt @@ -0,0 +1,17 @@ +(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:12)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:13)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:14)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:15)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:5)(cid:3)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:5)(cid:5)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:5)(cid:7)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:5)(cid:8)(cid:24) + +(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:5)(cid:9)(cid:24) diff --git a/chunks/txt/de9dbd53a0e96ca4b6faa4061d505d46041791f32eefdda60e7ea256ddb3eae2.txt b/chunks/txt/de9dbd53a0e96ca4b6faa4061d505d46041791f32eefdda60e7ea256ddb3eae2.txt new file mode 100644 index 0000000000000000000000000000000000000000..22fc1bc43d02fb1ded21e61f43094a3f42e83790 --- /dev/null +++ b/chunks/txt/de9dbd53a0e96ca4b6faa4061d505d46041791f32eefdda60e7ea256ddb3eae2.txt @@ -0,0 +1,47 @@ +property and assignment types. + +The updated UAD will help the appraiser more accurately report the characteristics of the subject property and comparables, be more +scalable and flexible than the legacy forms, help appraisers comply with the Uniform Standards of Professional Appraisal Practice (USPAP), +and better define the Scope of Work. + +In addition, appraisal data is currently submitted to the GSEs using the MISMO Reference Model 2.6, which is outdated and no longer +supported by MISMO. As part of this update, the UAD will conform to the latest MISMO Reference Model (3.6). + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 22 + +Overview + +The primary purpose of the Implementation Guide (iGuide) is to provide designers of the new Uniform Residential Appraisal Report (URAR) +with an understanding of the MISMO version 3.6 Reference Model (MISMO v3.6) and how the data will be displayed in a dynamic PDF +document that will replace the following appraisal report forms: + +Legacy Appraisal Form Name + +Fannie Mae Form + +Freddie Mac +Form + +Uniform Residential Appraisal Report + +Uniform Residential Appraisal Report (Desktop) + +Uniform Residential Appraisal Report (Hybrid) + +Individual Condominium Unit Appraisal Report + +Individual Condominium Unit Appraisal Report (Desktop) + +Individual Condominium Unit Appraisal Report (Hybrid) + +Exterior-Only Inspection Individual Condominium Unit Appraisal Report + +Exterior-Only Inspection Residential Appraisal Report + +Manufactured Home Appraisal Report + +Individual Cooperative Interest Appraisal Report + +Exterior-Only Individual Cooperative Interest Appraisal Report diff --git a/chunks/txt/dea4ec1c3731dc396a3aec9bf774383aaad65d28b9f703831d158061c856d496.txt b/chunks/txt/dea4ec1c3731dc396a3aec9bf774383aaad65d28b9f703831d158061c856d496.txt new file mode 100644 index 0000000000000000000000000000000000000000..f663bcf48a72c7e90c3d8f1261fbc7be4942d65e --- /dev/null +++ b/chunks/txt/dea4ec1c3731dc396a3aec9bf774383aaad65d28b9f703831d158061c856d496.txt @@ -0,0 +1,91 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD +JUSTMENT[@_Type='FloorLocation']/@_Description + +20 + +20 + +20 + +20 + +20 + +20 + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +String + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +If a location factor not on the list materially affects the value of the property, the +appraiser must select 'Other' and enter a description of the location associated with the +property. Free-form descriptions should be entered carefully because data will be +truncated on the appraisal report form if it exceeds available space for that field. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +String + +This field should indicate the land rights appraised (e.g. Leasehold or Fee Simple). + +String + +UAD Requirement - Refer to Appendix D Subject Section +This field must indicate the HOA assessment and must be consistent with the HOA fee +in field 1-26. + +String + +This field should indicate the common elements in the subject project. + +String + +This field should indicate the recreational facilities in the subject project. + +String + +This field should indicate the floor on which the unit is located. + +At least one but no more than two values are +required. + +R + +This field is required if the value of field e- +15 (GSE Location Type) is 'Other'. + +CR + +T + +R + +T + +T + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 152 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name diff --git a/chunks/txt/deb08ff517273fa619e5340183e63c6de6f8fde737a3f41d8235026196d6c38f.txt b/chunks/txt/deb08ff517273fa619e5340183e63c6de6f8fde737a3f41d8235026196d6c38f.txt new file mode 100644 index 0000000000000000000000000000000000000000..3f4c2023dd6c0a54c77d1f6a3b62461c4dbcf7c7 --- /dev/null +++ b/chunks/txt/deb08ff517273fa619e5340183e63c6de6f8fde737a3f41d8235026196d6c38f.txt @@ -0,0 +1,73 @@ +Site Influence: Specifies an influence on the property. + +Note: Photos or images for each site influence may be provided, which display +in Site Exhibits with the caption “Site Influence”. An additional caption must be +provided, including the site influence type and any other descriptive +information as appropriate. + +4.030 + +Site Influence +Commentary + +If relevant + +Free-form + +Overall commentary for all site influences. + +Allowable Answer + +Definition / Additional Guidance + +Site Influence (Choose all that apply) + +Agricultural + +Airport + +Body of Water + +Busy Roadway + +A designated area where aircraft take off and land. +Note: Airport influences can extend to flight paths where landing and take-off patterns may create higher noise levels. +Choose this answer when reporting on these types of influences. + +Choose this answer if there are one or more bodies of water that influence the site. +Note: If applicable, see also the Water Frontage with Private Access subsection (4.031-4.038). + +Appendix F-1: URAR Reference Guide + +Page 61 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Site + +Allowable Answer + +Definition / Additional Guidance + +Commercial Area + +An area intended to produce income (e.g., office buildings, retail buildings, hospitality). + +Site Influence (Choose all that apply) + +Golf Course + +Green Space + +An area of protected or conserved land or water on which development is indefinitely set aside. + +High Density Residential + +A densely populated residential area. + +High Pressure Gas Line + +A distribution system with lines in which the gas pressure in the main is higher than the pressure provided to the +customer. diff --git a/chunks/txt/deb4969f1e3d93975105911d5860fcd8ada75f5242549d1ea0ff7bc01e48eaa1.txt b/chunks/txt/deb4969f1e3d93975105911d5860fcd8ada75f5242549d1ea0ff7bc01e48eaa1.txt new file mode 100644 index 0000000000000000000000000000000000000000..322a449a25ba6785c352827ea8c9744dfd8a43b4 --- /dev/null +++ b/chunks/txt/deb4969f1e3d93975105911d5860fcd8ada75f5242549d1ea0ff7bc01e48eaa1.txt @@ -0,0 +1,17 @@ +[[2]]() The National Survey of Mortgage Originations was originally called the National Survey of Mortgage Borrowers. The name of the survey was changed to avoid confusion with the American Survey of Mortgage Borrowers, effective May 9, 2016. + +[[3]]() The American Survey of Mortgage Borrowers was originally called the National Survey of Existing Mortgage Borrowers. The name of the survey was changed to avoid confusion with the National Survey of Mortgage Originations, effective March 24, 2016. + +[[4]]() FHFA interprets the NMDB program as a whole, including the NSMO, as the “survey” required by the Safety and Soundness Act. The statutory requirement is for a monthly survey. Core inputs to the NMDB, such as a regular refresh of credit-bureau data, occur monthly, though the NSMO is conducted quarterly.​​​​​​ + +*Pag​e last updated: December 30, 2025* + +- **Press Release** + +[FHFA Releases NMDB Residential Mortgage Dashboard](/news/news-release/fhfa-releases-nmdbr-residential-mortgage-dashboard) (9/27/2024) + +[FHFA Releases Data Visualization Dashboard for NMDB Outstanding Residential Mortgage Statistics](/news/news-release/fhfa-releases-data-visualization-dashboard-for-nmdb-outstanding-residential-mortgage-statistics) (7/2/2024) + +[F​HFA and CFPB​ Release Updated Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-updated-data-from-the-national-survey-of-mortgage-originations-for-public-use) (12/13/2022) + +[​F​HFA and CFPB​ Release Updated Data from the National Survey of Mortgage Originations for Public Use](/news/news-release/fhfa-and-cfpb-release-updated-data-from-the-national-survey-of-mortgage-originations-for-public-use) (7/29/2021) diff --git a/chunks/txt/debe64c603cf1adde8e2213d4f6eb7095794494e997de4ea175f39339259e8d8.txt b/chunks/txt/debe64c603cf1adde8e2213d4f6eb7095794494e997de4ea175f39339259e8d8.txt new file mode 100644 index 0000000000000000000000000000000000000000..88bdc27271b19b23bb361feac67573e01db1d215 --- /dev/null +++ b/chunks/txt/debe64c603cf1adde8e2213d4f6eb7095794494e997de4ea175f39339259e8d8.txt @@ -0,0 +1,27 @@ +Uniform Appraisal Dataset FAQs for Servicers + +Beginning in 2026, the new Uniform Appraisal Dataset (UAD) 3.6 appraisal format will be used to fulfill some servicing valuation +requests through Servicing Management Default Underwriter™ (SMDU™). Although the appraisal report will look different, the +valuation data and format returned to servicers will remain the same. Fannie Mae is preparing to adopt the Uniform Appraisal +Dataset (UAD) 3.6 appraisal format as part of an industry-wide update. + +You may be wondering: + +Do I need to prepare for the move from UAD 2.6 to UAD 3.6 for valuation requests submitted via +SMDU? + +Jul 9, 2025 + +No immediate action is required. Fannie Mae uses a variety of valuation products to fulfill requests submitted through SMDU +(e.g., Short Sales, MI Termination). To ensure consistency, all valuation data returned to servicers via SMDU will continue to be +delivered in the existing format, regardless of the underlying valuation product used. + +However, the UAD 3.6 appraisal PDF will look different from legacy formats. Servicers are encouraged to become familiar with +the new Uniform Residential Appraisal Report (URAR) layout to better understand the updated presentation. + +When will servicers begin seeing UAD 3.6 appraisal reports used for SMDU valuation requests? + +While the broader industry will begin a limited release of UAD 3.6 appraisal reports in September 2025, Fannie Mae will not use +UAD 3.6 appraisals to fulfill servicing valuation requests through SMDU until 2026. Initially, UAD 3.6 appraisals will be used +internally (e.g., for REO purposes) as part of a phased rollout before expanding to SMDU requests. A future announcement will +clarify which SMDU servicing valuation requests will utilize UAD 3.6 appraisal reports, along with the timeline for implementation. diff --git a/chunks/txt/debeec4450a4b7c4a2f8d5c5edc820e3d82bde0f3593a9a62e9d26bf9b11ade8.txt b/chunks/txt/debeec4450a4b7c4a2f8d5c5edc820e3d82bde0f3593a9a62e9d26bf9b11ade8.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b73ba2f7bac2c2885cba0d235c0835765fa44c8 --- /dev/null +++ b/chunks/txt/debeec4450a4b7c4a2f8d5c5edc820e3d82bde0f3593a9a62e9d26bf9b11ade8.txt @@ -0,0 +1,57 @@ +300000.00 + +Do not provide this data point unless +ConstructionMethodType = “Other” + +Mutually exclusive with +PropertyValuationAmount. + +As shown above in Table 9, UCD v2.0 includes two new data points in PROPERTY_DETAIL describing how the subject +property was built: ConstructionMethodType and ConstructionMethodTypeOtherDescription. Their enumerations align with +those added to the Uniform Loan Delivery Dataset (ULDD) in support of the updated Uniform Appraisal Dataset (UAD). The +type of construction will be used to support QM calculations. + +Figure 13. XML File Snippet-Estimated Property Value and ConstructionMethodType. + + +… + + + + + + + + +Other + Container + < PropertyEstimatedValueAmount>300000.00 + + + + + + + +… + + +ii. Appraised Value + +When an appraisal is used to value the property for a refinance, and the appraisal was submitted to the GSEs’ Uniform +Collateral Dataset Portal (UCDP), the portal will assign the appraisal a 10-digit “Doc File ID”. This ID is the value to provide for +Appraisal Identifier. If the appraisal was not submitted to UCDP, do not deliver AppraisalIdentifier. + +UCD v2.0 Implementation Guide + +- 22 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 10. UCD v2.0 Spec Excerpt Appraised Value and UCDP Doc File ID Data Requirements. + +UCD UID MISMO v3.3.0 Data Point diff --git a/chunks/txt/dec41947b42b4d866d4dc8973245a2216fa0c78228588beec7ed2007a1b1f1a4.txt b/chunks/txt/dec41947b42b4d866d4dc8973245a2216fa0c78228588beec7ed2007a1b1f1a4.txt new file mode 100644 index 0000000000000000000000000000000000000000..69e39eebc5ff9c821b323b60db85f9ac15597a4b --- /dev/null +++ b/chunks/txt/dec41947b42b4d866d4dc8973245a2216fa0c78228588beec7ed2007a1b1f1a4.txt @@ -0,0 +1,31 @@ +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 3.0 | type_afford_cat: 3 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 3 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 3 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 2.0 | type_afford_cat: 3 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 3 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0 +enterprise: 2 | record_num_mf_nf: 20000001 | type_bed_num: 2 | type_un diff --git a/chunks/txt/deca3f8ac1baa5b6c025b050d8810d70eea9527ddb79b3fabc534d182b5e0656.txt b/chunks/txt/deca3f8ac1baa5b6c025b050d8810d70eea9527ddb79b3fabc534d182b5e0656.txt new file mode 100644 index 0000000000000000000000000000000000000000..fddea6bc765e33e74e7e598a6ed6a051760c3daf --- /dev/null +++ b/chunks/txt/deca3f8ac1baa5b6c025b050d8810d70eea9527ddb79b3fabc534d182b5e0656.txt @@ -0,0 +1,181 @@ +String + +PROJECT +INFORMATION + +PUD +Total number of phases + +Development Stage +Total Phases Count + +Number of phases that exist in the +project. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT/DEVELOPMENT_STAGE/@_TotalPhas +esCount + +10 + +Numeric + +PROJECT +INFORMATION + +PUD +Total number of units + +Completed Units +Count + +Total number of completed living +units. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT/DEVELOPMENT_STAGE/@Completed +UnitsCount + +10 + +Numeric + +PROJECT +INFORMATION + +PUD +Total number of units +sold + +Units Sold Count + +Total number of living units sold. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT/DEVELOPMENT_STAGE/@UnitsSoldC +ount + +10 + +Numeric + +T + +T + +T + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +If field 1-24 (Project Classification Type) is +indicated, then one and only one of fields 3-42, +3-43 (values of Project Developer Controls +Project Management Indicator) must be +indicated. +If field 1-24 (Project Classification Type) is +indicated, then one and only one of fields 3-42, +3-43 (values of Project Developer Controls +Project Management Indicator) must be +indicated. +If field 1-24 (Project Classification Type) is +indicated, at least one of fields 3-44, 3-45 +(values of Project Design Type) should be +indicated. +If field 1-24 (Project Classification Type) is +indicated, at least one of fields 3-44, 3-45 +(values of Project Design Type) should be +indicated. +If field 1-24 (Project Classification Type) is +indicated, at least one of fields 3-44, 3-45 +(values of Project Design Type) should be +indicated. +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields +1-132, 1-133 (Attachment Type = 'Attached' +or 'SemiDetached') are indicated. +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields +1-132, 1-133 (Attachment Type = 'Attached' +or 'SemiDetached') are indicated. +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields +1-132, 1-133 (Attachment Type = 'Attached' +or 'SemiDetached') are indicated. +This field should be populated if field 3-42 +(Project Developer Controls Project +Management Indicator = 'Y') and one of fields +1-132, 1-133 (Attachment Type = 'Attached' +or 'SemiDetached') are indicated. diff --git a/chunks/txt/ded97bd6f19931c4763329418280763403d3a53d2f86cc24602239800e17d78e.txt b/chunks/txt/ded97bd6f19931c4763329418280763403d3a53d2f86cc24602239800e17d78e.txt new file mode 100644 index 0000000000000000000000000000000000000000..93a885a5e91655c3c55e7986e73a10b5987fcca7 --- /dev/null +++ b/chunks/txt/ded97bd6f19931c4763329418280763403d3a53d2f86cc24602239800e17d78e.txt @@ -0,0 +1,28 @@ +Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3) + +Uniform Residential Appraisal Report + +Page 22 of 23 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), +age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present +or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis +prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to +the assumptions and limiting conditions in this appraisal report. diff --git a/chunks/txt/dee99abacfe93abdfaaf94061c3d89ab6fc4a5c57d147bed1f2330effd614d16.txt b/chunks/txt/dee99abacfe93abdfaaf94061c3d89ab6fc4a5c57d147bed1f2330effd614d16.txt new file mode 100644 index 0000000000000000000000000000000000000000..b82a6b5defa75d3bd1f296d8139b116a3f141e32 --- /dev/null +++ b/chunks/txt/dee99abacfe93abdfaaf94061c3d89ab6fc4a5c57d147bed1f2330effd614d16.txt @@ -0,0 +1,55 @@ +## Meet The Team + +- ## Anne Marie Pippin + +Deputy Director, DCOR + +Division of Conservatorship Oversight and Readiness (DCOR) + +- ## Leah Price + +Supervisor, DCOR + +Office of Governance and Strategic Initiatives + +Office of Financial Technology + +- ## Tracy Step​han + +Chief Artificial Intelligence Officer and Associate Director, DCOR + +Office of Governance and Strategic Initiatives + +Office of Financial Technology + +## Connect with Us + +To ask questions or request a meeting with the FHFA Office of Financial Technology, please email us at the address below: + +Image + +![email icon](/sites/default/files/styles/large/public/2023-05/EmailIcon.png?itok=MOhHT-sd) + +**Email:** [Fintech@fhfa.gov](mailto:Fintech@fhfa.gov) + +*​​Page last updated: August 1, 2024​​​​​*​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​ + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/df097b2553acd659fe4c3b03a87b4d98d532963fde3d8dab1d78642ea89a7138.txt b/chunks/txt/df097b2553acd659fe4c3b03a87b4d98d532963fde3d8dab1d78642ea89a7138.txt new file mode 100644 index 0000000000000000000000000000000000000000..23bb55d09064ecb06e8a32e496fb316be88470b7 --- /dev/null +++ b/chunks/txt/df097b2553acd659fe4c3b03a87b4d98d532963fde3d8dab1d78642ea89a7138.txt @@ -0,0 +1,83 @@ +/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Other’] + +/VALUATION_RESPONSE/REPORT/@AppraisalPurposeTypeOtherDescr +iption + +4000 + +String + +/VALUATION_RESPONSE/PARTIES/LENDER/@_UnparsedName + +/VALUATION_RESPONSE/PARTIES/LENDER/@AppraisalFormsUnpars +edAddress + +UAD Requirement - Refer to Appendix D Subject Section +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. +UAD Requirement - Refer to Appendix D Subject Section +This field contains the name of the lender. +This data is referenced more than once on the form (field 6-24) and must be +represented consistently to the extent the available space permits. The printed +version of this field must appear completely in this location on the form, but may be +truncated in the other locations. + +String + +String + +38 + +SUBJECT + +40 + +1 + +39 + +SUBJECT + +Is the subject property currently +offered for sale or has it been +offered for sale in the twelve +months prior to the effective date +of the appraisal? +Yes +Is the subject property currently +offered for sale or has it been +offered for sale in the twelve +months prior to the effective date +of the appraisal? +No + +Listed Within +Previous Year +Indicator + +Listed Within +Previous Year +Indicator + +41 + +1 + +e-2 + +SUBJECT + +Report data source(s) used, +offering price(s), and date(s). + +GSE Days On +Market Description + +Indicates that the property has been listed +within the previous twelve (12) months. + +/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@Listed +WithinPreviousYearIndicator=‘Y’] + +Indicates that the property has been listed +within the previous twelve (12) months. diff --git a/chunks/txt/df09ebe2a90f93ed1718833e9e3dd0d06bac17ef7ca2654fcd80e18af110d297.txt b/chunks/txt/df09ebe2a90f93ed1718833e9e3dd0d06bac17ef7ca2654fcd80e18af110d297.txt new file mode 100644 index 0000000000000000000000000000000000000000..eededaa3f87c78e1ddfb1b1aae9530bebd3770c5 --- /dev/null +++ b/chunks/txt/df09ebe2a90f93ed1718833e9e3dd0d06bac17ef7ca2654fcd80e18af110d297.txt @@ -0,0 +1,89 @@ +Appendix F-2: Appraisal Update Report Reference Guide + +Page 4 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +Overview + +Overview + +The legacy form 1004D/442 was used for Appraisal Update and/or Completion. In the UAD redesign, the +Completion Report and Restricted Appraisal Update Report are separate reports. This Reference Guide only +addresses the appraisal update. + +Appraisal Update and/or Completion Report + +1004D + +442 + +Legacy Form Name + +Fannie Mae Form + +Freddie Mac Form + +Restricted Appraisal Update Report Section Organization + +This table shows the sections of the Restricted Appraisal Update Report and when they display. For more +information about a section, reference the appropriate chapter in this document. + +Section +# + +Section Name +(Black Tab) + +Always +Displays + +When Section Displays + +01 + +02 + +03 + +04 + +05 + +Subject Property + +Original Appraisal + +Appraisal Update + +Assignment Information + +Certifications and Intended Use / User + +√ + +√ + +√ + +√ + +√ + +Table Column Headings + +In this document, tables are used to define the fields in the Restricted Appraisal Update Report. Column +headings are as follows: +• Report Field ID: A red number identifying the specific location of the field on the report. +• Report Label: The name of the field as shown on the report. +• When to Include: The conditionality for when the information is required, expressed in business terms. + +o Examples: Always required, Required for FHA, If applicable +o Note: When information is required is not always the same as when it displays. + +• Allowable Answers / Format + +o Examples: Yes | No, Free-form, Number, Choose allowable answer(s) from a list or table +• Definition / Additional Guidance: The definition in business terms, including notes and examples, a list of diff --git a/chunks/txt/df17d61cf4c8748075df9cfa68d9f7190589ccfcbfa0a14710828fdc18169cd4.txt b/chunks/txt/df17d61cf4c8748075df9cfa68d9f7190589ccfcbfa0a14710828fdc18169cd4.txt new file mode 100644 index 0000000000000000000000000000000000000000..2bf7a3667ba313e5b65ce7d2e8c8de0803256c08 --- /dev/null +++ b/chunks/txt/df17d61cf4c8748075df9cfa68d9f7190589ccfcbfa0a14710828fdc18169cd4.txt @@ -0,0 +1,91 @@ +PROJECT +ANALYSIS + +I did analyze the condominium project +budget for the current year. + +PROJECT +ANALYSIS + +I did not analyze the condominium +project budget for the current year. + +PROJECT +ANALYSIS + +Explain the results of the analysis of the +budget (adequacy of fees, reserves, etc.), +or why the analysis was not performed. + +Project Analysis +Budget Analyzed +Indicator + +Project Analysis +Budget Analyzed +Indicator +Project Analysis +Budget Analysis +Comment + +Indicates that the appraiser analyzed the +project's budget. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@ +_BudgetAnalyzedIndicator='Y'] + +Indicates that the appraiser analyzed the +project's budget. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@ +_BudgetAnalyzedIndicator='N'] + +A free-form text field describing the +results of analyzing the project budget. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@ +_BudgetAnalysisComment + +PROJECT +ANALYSIS + +Are there any other fees (other than +regular HOA charges) for the use of the +project facilities? Yes + +Project Analysis +Additional Facilities +Fee Indicator + +Indicates that the project does impose an +additional fee beyond the standard project +fee. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@ +_AdditionalFacilitiesFeeIndicator='Y'] + +PROJECT +ANALYSIS + +PROJECT +ANALYSIS + +PROJECT +ANALYSIS + +Are there any other fees (other than +regular HOA charges) for the use of the +project facilities? No + +Project Analysis +Additional Facilities +Fee Indicator + +Indicates that the project does impose an +additional fee beyond the standard project +fee. + +Are there any other fees (other than +regular HOA charges) for the use of the +project facilities? +If Yes, report the charges and describe. diff --git a/chunks/txt/df2615610a6107ee8cae861ce6379e9d462e80d2e9bb55fdaa15b10071c8c216.txt b/chunks/txt/df2615610a6107ee8cae861ce6379e9d462e80d2e9bb55fdaa15b10071c8c216.txt new file mode 100644 index 0000000000000000000000000000000000000000..84f041c6eba85328b308682349be90d5b0660618 --- /dev/null +++ b/chunks/txt/df2615610a6107ee8cae861ce6379e9d462e80d2e9bb55fdaa15b10071c8c216.txt @@ -0,0 +1,67 @@ +Allowable Answer + +Definition / Additional Guidance + +Ceiling Style (Choose one or more) + +Barrel + +Beams + +Cathedral + +Coffered + +Drop + +Flat + +Tray + +Vaulted + +A ceiling that is semicircular in cross section and resembles a segment of a barrel. + +A ceiling that features exposed joists and / or beams. + +A ceiling that features two equally sloping sides that meet in the middle and often conforms to the shape of the roof. + +A ceiling that features a series of rectangular, square, or octagon grids with sunken or recessed panels. + +A secondary ceiling hung below the main ceiling or joists. + +A ceiling with no pitch or change in height. + +An inverted or recessed ceiling that features a center section that is several inches higher than the rest of the ceiling. + +A ceiling that features higher than typical open areas with sloping sides. + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Allowable Answer + +New or Like New + +Walls and Ceiling Condition Status (Choose one) + +Definition / Additional Guidance + +The walls or ceilings are new or like new with no visible signs of use. +Note: This would be the typical answer when New Construction (3.017) is Yes. + +Typical Wear and Tear + +The walls or ceilings are fully functional and exhibit minimal wear and tear, with visible signs of use. + +Damaged and Functional + +The walls or ceilings are damaged and exhibit moderate wear and tear but can still function as intended or designed. +Examples: +• +• +• Wall or ceiling covering materials that are stained or discolored that do not need replacement, only paint or + +Holes in drywall +Small pieces of drywall missing diff --git a/chunks/txt/df2bac9768dd34cced565b27a04c9ba103bbc5f21ed62ada3850628a55621a32.txt b/chunks/txt/df2bac9768dd34cced565b27a04c9ba103bbc5f21ed62ada3850628a55621a32.txt new file mode 100644 index 0000000000000000000000000000000000000000..a352d52952523e325d89aa65751b04b88c5e1122 --- /dev/null +++ b/chunks/txt/df2bac9768dd34cced565b27a04c9ba103bbc5f21ed62ada3850628a55621a32.txt @@ -0,0 +1,55 @@ +Decision Expiration Dates + +Conditional Project Approval: expires 9 months from the date of issue. + +Final Project Approval: expires 18 months from the date of issue. + +Note: Fannie Mae, in some instances and in its sole discretion, may set a shorter or longer expiration term. + +For information on requesting an extension, see the Project Eligibility Review Service (PERS) Overview on Fannie Mae's website. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 146 of 166 + +UAD 3.6 Policy + +SB4-2.3-01, Eligibility Requirements for Units in PUD Projects (12/10/2025) + +Introduction + +This topic contains information on PUD projects, including: + +• PUD Project Requirements + +• Eligibility Requirements for Units in PUD Projects + +PUD Project Requirements + +For a project to qualify as a PUD, all of the following requirements must be met: + +• each unit owner’s membership in the HOA must be automatic and nonseverable, + +• + +the payment of assessments related to the unit must be mandatory, + +• + +common property and improvements must be owned and maintained by an HOA for the benefit and use of the unit +owners, and + +• + +the subject unit must not be legally created as part of a condo or co-op project. + +Zoning is not a basis for classifying a project or subdivision as a PUD. Units in projects or subdivisions simply zoned as PUDs +that include the following characteristics are not defined as PUD projects under Fannie Mae’s policies. These projects + +• have no common property and improvements, + +• do not require the establishment of and membership in an HOA, and + +• do not require the payment of assessments. + +Fannie Mae classifies PUD projects as either diff --git a/chunks/txt/df2d56ee116b6877009d95405955ff4b8ccb11e87bb748e4f520c3f150dfe51c.txt b/chunks/txt/df2d56ee116b6877009d95405955ff4b8ccb11e87bb748e4f520c3f150dfe51c.txt new file mode 100644 index 0000000000000000000000000000000000000000..3f6b571bfbdd10de0edfa173077f34382ae06753 --- /dev/null +++ b/chunks/txt/df2d56ee116b6877009d95405955ff4b8ccb11e87bb748e4f520c3f150dfe51c.txt @@ -0,0 +1,32 @@ +When a loan casefile is eligible for this option, DU will issue a message stating that DU accepts the value submitted by the lender, +and that the loan is eligible for value acceptance + property data contingent upon the submission of the property data to the +Fannie Mae Property Data API (API). + +Note: The DU messages regarding the value acceptance + property data option will only be issued on new loan casefiles +created on or after April 16, 2023 + +When the lender receives the message stating a loan is eligible for value acceptance + property data, the lender can order the +property data collection from an approved vendor that has access to the API. The lender has the option to provide the vendor the +DU casefile ID to submit to the API with the property data. When the vendor submits the property data through the API, they will +receive a 32-character alphanumeric Property Data ID. + +Upon resubmission DU will determine if the property data was submitted to the API by matching the subject property address +with one of the following: + +▪ The DU casefile ID provided when the property data was submitted to the API, or + +▪ + +the Property Data ID returned by the API and submitted to DU in the loan application data. + +© 2023 Fannie Mae. + +3.24.23 + +1 of 3 + +When DU is able to determine the property data was submitted to the API, the DU message will no longer state it is contingent +upon submission of the property data to the API, but will continue to state the requirements to deliver the loan to Fannie Mae. + +Note: The Property Data ID can be found in the Optional Additional Data section of the Desktop Originator® (DO®)/DU user +interface. diff --git a/chunks/txt/df39fa72b7c430ef3169003084aeea130ad57ef216a2a6b120511ffa92bc4b11.txt b/chunks/txt/df39fa72b7c430ef3169003084aeea130ad57ef216a2a6b120511ffa92bc4b11.txt new file mode 100644 index 0000000000000000000000000000000000000000..f0f665e641f1d6c10b0d41a8969a4adbe6afc28b --- /dev/null +++ b/chunks/txt/df39fa72b7c430ef3169003084aeea130ad57ef216a2a6b120511ffa92bc4b11.txt @@ -0,0 +1,54 @@ +Numeric + +PDF Display Format: +Whole numbers only. + +If none, then zero (0) must be entered. + +Boolean + +A value of 'Y' indicates there is a carport. A value of 'N' indicates the box was not +checked. + +UAD Requirement - Refer to Appendix D Improvements Section + +Numeric + +PDF Display Format: +Whole numbers only. + +If none, then zero (0) must be entered. + +This field should be populated if the value +indicated in field 1-179 (Amenity Detailed +Description) is not equal to 'None' + +This field should have a value of 'Y' if the value +indicated in field 1-181 (Amenity Type Other +Description) is not equal to 'None' + +If field 1-182 (Car Storage Exists Indicator = +'N') is indicated, then none of fields 1-183, 1- +186, 1-188 (Car Storage Location Exists +Indicator = 'Y' and values of Car Storage +Location Type) should be indicated. If field 1- +182 is not indicated, then at least one of fields 1- +183, 1-186, 1-188 should be indicated. +If field 1-182 (Car Storage Exists Indicator = +'N') is indicated, then none of fields 1-183, 1- +186, 1-188 (Car Storage Location Exists +Indicator = 'Y' and values of Car Storage +Location Type) should be indicated. If field 1- +182 is not indicated, then at least one of fields 1- +183, 1-186, 1-188 should be indicated. + +This field should be populated if field 1-183 +(Car Storage Location Exists Indicator = 'Y' and +Car Storage Location Type = 'Driveway') is +If field 1-182 (Car Storage Exists Indicator = +'N') is indicated, then none of fields 1-183, 1- +186, 1-188 (Car Storage Location Exists +Indicator = 'Y' and values of Car Storage +Location Type) should be indicated. If field 1- +182 is not indicated, then at least one of fields 1- +183, 1-186, 1-188 should be indicated. diff --git a/chunks/txt/df3aa52447babfda28c95cd7cf211b785d03877153ffc825fba78c328b9c8146.txt b/chunks/txt/df3aa52447babfda28c95cd7cf211b785d03877153ffc825fba78c328b9c8146.txt new file mode 100644 index 0000000000000000000000000000000000000000..3cb8a50f4c18dbbaa413b3bfb60014d5a752c3d0 --- /dev/null +++ b/chunks/txt/df3aa52447babfda28c95cd7cf211b785d03877153ffc825fba78c328b9c8146.txt @@ -0,0 +1,166 @@ +Appendix A‐2: UAD Restricted Appraisal Update Report Delivery Specification +Appendix B‐2: Restricted Appraisal Update Report Implementation Guide +Appendix F‐2: Restricted Appraisal Update Report Reference Guide + +Restricted Appraisal Update Report + +HF.001 + +Page [Page] of [Pages] + +Subject Property + +Physical Address +County +Property Rights Appraised + +01.001 + +01.002 + +01.003 + +01.001.1 + +Legal Description + +01.004 01.004.1 | 01.004.2 + +Original Appraisal + +Effective Date of Appraisal +Opinion of Market Value +Reasonable Exposure Time + +02.001 + +02.002 + +02.003 + +Appraisal Update + +Effective Date + +03.001 + +Appraiser + +Reference ID +Original Lender + +02.004 + +02.005 + +02.006 + +Yes No +Has the market value of the subject property decreased since the effective date of the original appraisal? (cid:133) (cid:133) + +03.002 + +Appraisal Update Commentary + +03.003 + +Appraisal Update Exhibits + +03.004.1 | 03.004.2 03.005.1 | 03.005.2 03.006.1 | 03.006.2 + +Assignment Information + +Borrower Name + +04.001 + +Contact Information + +[Role]/[Role] + +04.048 / 04.049 + +Company Name +Company Address + +04.006 + +04.007 + +Appraiser + +Name +Designation +Company Name +Company Address + +04.011 + +04.012 + +04.013 + +04.014 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +04.015 + +04.016 + +04.017 + +04.002 + +Appraiser Fee +AMC Fee +Government Agency +Investor Requested Special Identification + +04.003 + +04.004 + +04.005 + +Credentials + +ID +State +Expires + +04.008 + +04.009 + +04.010 + +Credentials + +Level +ID +State +Expires + +04.018 + +04.019 + +04.020 + +04.021 + +ASC Identifier +VA Appraiser ID +FHA Appraiser ID +Employment Type + +04.022 + +04.023 diff --git a/chunks/txt/df3e91ede3c899be85ea59cb33534a0b8df36facf0e36b428c70c2c9d85d8a2e.txt b/chunks/txt/df3e91ede3c899be85ea59cb33534a0b8df36facf0e36b428c70c2c9d85d8a2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..5703be1e4c7da8bae723a679d0a4ce847eefc009 --- /dev/null +++ b/chunks/txt/df3e91ede3c899be85ea59cb33534a0b8df36facf0e36b428c70c2c9d85d8a2e.txt @@ -0,0 +1,3 @@ +06 Energy Efficient and Green Features ............................................................................................................................................................................................... 143 + +Overview ................................................................................................................................................................................................................................................ 143 diff --git a/chunks/txt/df4ac14e3dd7b9fc4affc380a336c23d8989416c6a29c4a77c160b174c1bde9a.txt b/chunks/txt/df4ac14e3dd7b9fc4affc380a336c23d8989416c6a29c4a77c160b174c1bde9a.txt new file mode 100644 index 0000000000000000000000000000000000000000..195e05a6638e782a6fc29a094d2538172aea75a6 --- /dev/null +++ b/chunks/txt/df4ac14e3dd7b9fc4affc380a336c23d8989416c6a29c4a77c160b174c1bde9a.txt @@ -0,0 +1,67 @@ +Photos Up to 8 per page (see next page for sample layout of 8 photos). + +Graphs Up to 3 per page to fill 45 picas x 20 picas (allow 6 points space from edge of frame). + +Larger + +Size proportionately allowing 6 points space from edge of frame, the Section Header (TAB-C), +Subsection Header (H1), and caption (CAP). Examples include maps, sketches, and documents. + +CAP—Captions + +CAP + +TEXT + +9/10 Myriad Pro Bold with Roman x 21 picas 6 points (~59-64 characters +max). + +INDENT Align left and indent 4 points. + +Appendix E: Report Style Guide + +Page 30 of 90 + +Version 1.4 + +SAMPLE FULL PAGE PHOTO LAYOUT + +Appendix E: Report Style Guide + +Page 31 of 90 + +Version 1.4 + +Part 2. Specific Section Details + +This chapter contains details for the formatting of each of the 29 sections possible in the URAR. + +“Uniform Residential Appraisal Report” [TITLE] sets 32-point Myriad Pro Regular, align left; 2 picas 2 points to +page margin above; 6 points space below to + +Address of property [TITLE-ADD] sets below, 12/13 Myriad Pro Black, all caps; 3 picas space below to: + +SUMMARY [SUM-HD] sets 14-point Myriad Pro Black (sets above Summary tab line), all caps, offset 5 points to 2- +point rule below x 45 picas. + +Left-hand side of page + +• + +“Opinion of Market Value” sets as TXR-B, TXR + +o “(Cooperative Interest)” if applicable sets flush right on 22 picas. + +Right-hand side of page + +• + +“Market Value Condition” sets as TXR-B, TXR in right hand column. + +Full page width + +• + +“Final Value Condition Statement” (intro phrase) sets as TXC-B – 9/11 Myriad Pro Regular +with Bold intro phrase (initial cap) x 45 picas, with an additional ½ line space below; +statement sets Myriad Pro Regular. diff --git a/chunks/txt/df4ea92fe370195fc49f5e96962d0527ad4f5455c68c683f782fdaa655355c88.txt b/chunks/txt/df4ea92fe370195fc49f5e96962d0527ad4f5455c68c683f782fdaa655355c88.txt new file mode 100644 index 0000000000000000000000000000000000000000..63050ce8d93d70b0a293f9149c71c0012f15dee7 --- /dev/null +++ b/chunks/txt/df4ea92fe370195fc49f5e96962d0527ad4f5455c68c683f782fdaa655355c88.txt @@ -0,0 +1,29 @@ +Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1) + +Uniform Residential Appraisal Report + +Page 20 of 21 +Page 20 of 21 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), +age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present +or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis +prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to +the assumptions and limiting conditions in this appraisal report. diff --git a/chunks/txt/df528c3d24fb6bc3b7875884861e81393d98c95aaeee34c9a5c271c715dfc492.txt b/chunks/txt/df528c3d24fb6bc3b7875884861e81393d98c95aaeee34c9a5c271c715dfc492.txt new file mode 100644 index 0000000000000000000000000000000000000000..268286acb2208b42c3bcf0702902b91393a04bd5 --- /dev/null +++ b/chunks/txt/df528c3d24fb6bc3b7875884861e81393d98c95aaeee34c9a5c271c715dfc492.txt @@ -0,0 +1,146 @@ +10 + +Numeric + +PROJECT +INFORMATION + +PUD +Total number of units for sale + +Units For Sale +Count + +Total number of living units for sale. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S +TAGE/@UnitsForSaleCount + +10 + +Numeric + +PROJECT +INFORMATION + +PUD +Number of Units +Data Source(s) + +Data Source +Description + +A free-form text field used to describe the +source of information. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_S +TAGE/@DataSourceDescription + +100 + +String + +432 + +3 + +53 + +PROJECT +INFORMATION + +433 + +3 + +54 + +PROJECT +INFORMATION + +PUD +Was the project created by the +conversion of an existing +building(s) into a PUD? +Yes + +PUD +Was the project created by the +conversion of an existing +building(s) into a PUD? +No + +Project Conversion +Indicator + +Indicates that the project was converted +into the current Project Ownership Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationTyp +e=‘PUD’ and @_ConversionIndicator=‘Y’] + +Project Conversion +Indicator + +Indicates that the project was converted +into the current Project Ownership Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationTyp +e=‘PUD’ and @_ConversionIndicator=‘N’] + +1 + +1 + +Boolean + +Boolean + +434 + +3 + +55 + +PROJECT +INFORMATION + +PUD +If yes, date of conversion + +Project Conversion +Date + +Specifies the date the project was +converted into the current Project +Ownership Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConversionDate + +12 + +Date/Time + +Data Format(s) +yyyy-mm-dd or yyyy-mm or yyyy + +PDF Display Format(s) +dd/mm/yyyy or mm/yyyy or yyyy + +435 + +3 + +56 + +PROJECT +INFORMATION + +PUD +Does the project contain any +multi-dwelling units? +Yes + +Project Contains +Multiple Dwelling +Units Indicator diff --git a/chunks/txt/df655ec5f9cb99be637222cda965294a1fecde6e4d82337569805ed66bbbbfa2.txt b/chunks/txt/df655ec5f9cb99be637222cda965294a1fecde6e4d82337569805ed66bbbbfa2.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b6b160af284da62fa1ce0a226329559301b5068 --- /dev/null +++ b/chunks/txt/df655ec5f9cb99be637222cda965294a1fecde6e4d82337569805ed66bbbbfa2.txt @@ -0,0 +1,84 @@ +Page 328 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +26 Reconciliation + +Reconciliation: Requested Condition Commentary + +Report +Field ID + +Report Label + +When to Include + +26.018 Requested +Condition +Commentary + +Required if Additional +Client Requested +Conditions is Yes + +Allowable +Answers / Format + +Free-form + +Definition / Additional Guidance + +Overall commentary for client-requested conditions, which could include +information that is not captured in the discrete data, or additional details to +support the discrete data that is provided. + +Reconciliation of Market Value + +This subsection always displays. + +Reconciliation: Reconciliation of Market Value + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +26.019 Reconciliation of + +Always required + +Free-form + +Market Value + +Apparent Defects, Damages, Deficiencies + +Definition / Additional Guidance + +Describe or reconcile the different approaches to value and the data used to +arrive at the final property valuation. + +All defects, damages, and deficiencies for the appraisal are redisplayed in the Reconciliation section, along with +the estimated cost to repair when applicable. Each defect, damage, or deficiency must be associated with the +most appropriate section. +• Site +• Dwelling Exterior (for each dwelling) +• Outbuilding (for each outbuilding) +• Unit Interior (for each unit or ADU) +• Vehicle Storage +• Subject Property Amenities + +If there are no defects, damages, or deficiencies for the appraisal, “None” displays, and the Apparent Defects, +Damages, Deficiencies table does not display. + +Report +Field ID + +Report Label diff --git a/chunks/txt/df6b5ad08a815b4245a8aadde1bdc7eb0247686ce9ce0c1a0e8ad4c477648fdb.txt b/chunks/txt/df6b5ad08a815b4245a8aadde1bdc7eb0247686ce9ce0c1a0e8ad4c477648fdb.txt new file mode 100644 index 0000000000000000000000000000000000000000..0a2daebac0df1f06fa456d42e87f03aa08eb38c1 --- /dev/null +++ b/chunks/txt/df6b5ad08a815b4245a8aadde1bdc7eb0247686ce9ce0c1a0e8ad4c477648fdb.txt @@ -0,0 +1,46 @@ +Multiple Parcels + +The table below provides the requirements for when the security property consists of more than one parcel of real estate. + +✓ + +Multiple Parcels Requirements + +Each parcel must be conveyed in its entirety. + +Parcels must be adjoined to the other, unless they comply with the following exception. Parcels that +otherwise would be adjoined, but are divided by a road, are acceptable if the parcel without a residence is +a non-buildable lot (for example, waterfront properties where the parcel without the residence provides +access to the water). Evidence that the lot is non-buildable must be included in the loan file. + +Each parcel must have the same basic zoning (for example, residential, agricultural). + +The entire property may contain only one primary dwelling unit. Limited additional non-residential +improvements, such as a garage, are acceptable. For example, the adjoining parcel may not have an +additional dwelling unit. A primary dwelling built across both parcels where the lot line runs under the +home is acceptable; however, an ADU built across parcels is not acceptable. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 28 of 166 + +UAD 3.6 Policy + +The mortgage must be a valid first lien that covers each parcel. + +Mixed-Use Properties + +Fannie Mae purchases or securitizes mortgages that are secured by properties that have a business use in addition to their +residential use, such as a property with space set aside for a day care facility, a beauty or barber shop, or a doctor’s office. + +The following special eligibility criteria must be met: + +• + +• + +• + +• + +The property must be a one-unit dwelling that the borrower occupies as a principal residence. diff --git a/chunks/txt/df9f5ea4bab02c7979f639a8946006cca6a1c48e08d6795e0d370c0466801364.txt b/chunks/txt/df9f5ea4bab02c7979f639a8946006cca6a1c48e08d6795e0d370c0466801364.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ce8ddb8c05ef813bd2b4eb09b3f29b33dd36c6f --- /dev/null +++ b/chunks/txt/df9f5ea4bab02c7979f639a8946006cca6a1c48e08d6795e0d370c0466801364.txt @@ -0,0 +1,114 @@ +There is other information that the appraiser must input directly into the Rental Information section. + +Appendix F-1: URAR Reference Guide + +Page 280 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Rent Schedule + +Subject Property Rental Information + +23 Rental Information + +A row displays in the Subject Property Rental Information table for each unit for which Include Unit in Rent +Schedule is Yes, and the “When to Include” column in this chapter reflects this. + +Report +Field ID + +Report Label + +When to Include + +23.01.01 N/A + +23.01.02 Currently + +Rented + +23.01.03 Occupancy + +Displays if applicable +for each unit + +Always required for +each unit + +Always required for +each unit + +Rent Schedule: Subject Property Rental Information + +Allowable +Answers / Format + +Free-form + +Definition / Additional Guidance + +Unit Identifier +Populates from the Unit Interior section (10.002) for the unit or ADU. + +Yes | No + +Unit Currently Rented + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +• +• +• + +Tenant +Owner +Vacant + +Note: Populates from the Unit Interior section (10.020) for the unit or ADU. + +23.01.04 Monthly Rent + +Always required for +each unit + +Dollar amount + +Monthly Actual Rent for Unit + +For the subject property, this information displays in the following subsections +of Rental Information: +• + +Rent Schedule +o +o + +Subject Property Rental Information 23.01.04 +Actual Income (Monthly) 23.01.13 + +23.01.05 Month-to- + +Month + +Required if Unit +Currently Rented is Yes + +Yes | No + +• + +• +• + +Comparable Rental Analysis Summary 23.03.22 + +Yes (lease agreement is for a one-month period) +No (lease agreement is longer than one month, such as a 12-month lease) diff --git a/chunks/txt/dfc0d9fca5f076afbbfa479db38d6d4b036888c558ffb734f20295524c08de7b.txt b/chunks/txt/dfc0d9fca5f076afbbfa479db38d6d4b036888c558ffb734f20295524c08de7b.txt new file mode 100644 index 0000000000000000000000000000000000000000..e59dc678eaa82b6dba37a67ce279de9dbf51b58c --- /dev/null +++ b/chunks/txt/dfc0d9fca5f076afbbfa479db38d6d4b036888c558ffb734f20295524c08de7b.txt @@ -0,0 +1,149 @@ +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +PDF Display Format: +Numeric, 5-digit maximum. + +R + +R + +CR + +CR + +R + +R + +T + +T + +T + +T + +T + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 150 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +323 + +324 + +325 + +326 + +327 + +328 + +3 + +3 + +3 + +3 + +3 + +3 + +6 + +7 + +8 + +9 + +10 + +11 + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +SALES +COMPARISON +APPROACH +SALES +COMPARISON +APPROACH +SALES +COMPARISON +APPROACH +SALES +COMPARISON +APPROACH +SALES +COMPARISON +APPROACH + +Comparable Listings Price Range Low + +Comparable Listings Price Range High + +Comparable Listings +Price Range Low +Amount +Comparable Listings +Price Range High +Amount + +Specifies the low listing value in the +range of values within the group of +comparable listing properties researched. +Specifies the high listing value in the +range of values within the group of +comparable listing properties researched. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableListingsPriceRangeLowAmount + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableListingsPriceRangeHighAmount + +Number of Comparable Sales + +Comparable Sales +Researched Count + +Specifies the total number of comparable +property sales researched. diff --git a/chunks/txt/dfc3505466ca5fa8e367c8955126a6abad5dd0c26488c4b023b8849f66a75bff.txt b/chunks/txt/dfc3505466ca5fa8e367c8955126a6abad5dd0c26488c4b023b8849f66a75bff.txt new file mode 100644 index 0000000000000000000000000000000000000000..04387568150abe53340516888bf5bde9e531f6aa --- /dev/null +++ b/chunks/txt/dfc3505466ca5fa8e367c8955126a6abad5dd0c26488c4b023b8849f66a75bff.txt @@ -0,0 +1,167 @@ +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Dwelling(s) + +Dwelling Style + +If relevant + +Required for detached +properties when the +row is included in the +sales comparison grid + +Choose an +allowable answer +from the +Definition / +Additional +guidance column + +Dwelling Exterior, for +each dwelling +• + +Dwelling Style +8.004 + +Yes +22.05.40 + +A-Frame +Barn +Bi-Level +Bungalow +Cape Cod +Chalet +Colonial +Contemporary +Cottage +Craftsman +Earth / Berm +Farmhouse +Geodesic Dome +Georgian +Log + +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• +• Mediterranean +• Modern +• +• +• +• +• +• +• +• +• +• +• +• +• + +Neo-Eclectic +Raised Ranch +Rambler +Ranch +Southwest +Spanish +Split Foyer or Entry +Split Level +Stilt +Traditional +Tudor +Victorian +Other (Describe) + +If there are multiple dwellings, Dwelling Style displays for each of them +in the same row. + +22.05.12 +22.05.41 + +Total Dwelling +Volume + +If relevant + +Required when the +row is included in the +sales comparison grid + +Number of cubic +feet + +Dwelling Exterior, for +each dwelling +• + +Structure Volume +8.015 + +Yes +22.05.42 + +Dwelling Volume for All Dwellings +• + +For the subject property, calculated: The sum of the Structure +Volume for all dwellings. +For the comparables, report the total volume for all dwellings as a +single number. + +• + +Appendix F-1: URAR Reference Guide + +Page 241 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information diff --git a/chunks/txt/dfd3261c4e69caeb2cf1d83c218d4258c8c822ba08683a8a9a36ac9faac02eec.txt b/chunks/txt/dfd3261c4e69caeb2cf1d83c218d4258c8c822ba08683a8a9a36ac9faac02eec.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6401a16cf19fcd52faca704fe248f6e18d94542 --- /dev/null +++ b/chunks/txt/dfd3261c4e69caeb2cf1d83c218d4258c8c822ba08683a8a9a36ac9faac02eec.txt @@ -0,0 +1,35 @@ +14. As an appraiser, how can I prepare for UAD 3.6? + +The GSEs have created an appraiser-specific training course, available through appraisal education providers, that +will allow appraisers to obtain continuing education (CE) credit. Appraisers should also work with their appraisal +software vendor to understand specific functionality, vendor-specific training, and testing timeframes. + +Appraisers can also review published materials on the GSE websites: + +• Training: Industry’s Guide to the New URAR + +• Appendices F-1, F2, and F-3: Reference Guides + +• Sample Scenario PDFs (Combined) + +15. As an appraiser, how will I know whether to perform an appraisal assignment using UAD 2.6 or UAD 3.6? + +This information should be in the Engagement Letter. If not, work with your client to understand the assignment. +Lenders may implement a staged rollout of UAD 3.6 during the transition period, so requirements may vary from +assignment to assignment and from lender to lender. + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. + +© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +P a g e | 4 + +URAR + +16. Have the Condition and Quality Ratings been updated for UAD 3.6? + +The Condition and Quality Rating scale has not changed, but definitions were rewritten to provide clarity and +make it easier to distinguish between the ratings. Interior and Exterior Condition and Quality Ratings have also +been added for a distinction when there are significant differences in the condition status between interior and +exterior. See Appendix 2 of the URAR Reference Guide or Condition and Quality Rating Definitions for details. diff --git a/chunks/txt/dfd931e1fd4bc7ed7031bc483c2f478a31dec39fed163716037b8f97be46fb19.txt b/chunks/txt/dfd931e1fd4bc7ed7031bc483c2f478a31dec39fed163716037b8f97be46fb19.txt new file mode 100644 index 0000000000000000000000000000000000000000..80a9f99c8c4bf7a423c959c63c43c97d558311a3 --- /dev/null +++ b/chunks/txt/dfd931e1fd4bc7ed7031bc483c2f478a31dec39fed163716037b8f97be46fb19.txt @@ -0,0 +1,146 @@ +26.000 + +26.001 + +26.002 + +26.003 + +26.006 +26.007 + +26.009 + +26.074 + +26.008 + +26.013 + +26.075 + +26.004 + +26.005 + +26.010 + +26.011 + +26.012 + +26.014 + +26.019 + +26.015 + +26.018 + +26.016 + +26.017 + +26.021 + +26.028 + +26.022 + +26.029 + +26.027 + +26.023 + +26.030 + +26.036 + +26.037 + +26.042 + +26.044 + +26.052 + +26.058 + +26.045 + +26.053 + +26.059 + +26.064 + +26.065 + +26.071 + +26.034 - 26.035 + +26.038 + +26.046 +26.050 - 26.051 + +26.054 + +26.060 + +26.066 + +26.020 + +26.024 + +26.031 + +26.039 + +26.047 + +26.055 + +26.061 + +26.067 + +26.025 + +26.026 + +26.032 + +26.033 + +26.040 + +26.041 + +26.048 + +26.049 + +26.056 + +26.057 + +26.062 + +26.063 + +26.069 + +26.070 + +26.068 + +26.072 + +26.073.1 | 26.073.2 + +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1) +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) diff --git a/chunks/txt/dfe276912e14a7a28352bee350a2cdf6289971f52172333cb7031fc49f6f5190.txt b/chunks/txt/dfe276912e14a7a28352bee350a2cdf6289971f52172333cb7031fc49f6f5190.txt new file mode 100644 index 0000000000000000000000000000000000000000..323de2544a5b5424e70f8da71074a346c204e791 --- /dev/null +++ b/chunks/txt/dfe276912e14a7a28352bee350a2cdf6289971f52172333cb7031fc49f6f5190.txt @@ -0,0 +1,86 @@ +o 4p6 (~17 characters max, per line, per cell) + +Site Value (H1) + +Site Valuation Method table + +• Set 3 column table x 28 picas 6 points. + +• Column 1: 16 picas 6 points wide (~64 characters max, per line, per cell + +• Column 2: 7 picas 6 points wide (~30 characters max, per line, per cell + +• Column 3: 4 picas 6 points (~17 characters max, per line, per cell) + +SITE VALUATION METHOD TABLE + +• + +• + +“Primary Site Valuation Method” sets as TB-B, TB. + +“Opinion of Site Value” sets as TB_sub-H1-R in white type. + +Land Comparables (H2) + +Land Comparables table + +• Set 8 column table x 45 picas. + +• Column 1: + +1 pica 6 points wide (~6 characters max, per line, per cell) + +• Columns 2–8: + +7 equal columns (~24 characters max, per line, per cell) + +Appendix E: Report Style Guide + +Page 72 of 90 + +Version 1.4 + +• Column heads set as TCH: “#,” “Address,” “County,” “Data Source,” “Assessor Parcel Number + +(APN),” “Site Size,” “Sale Date,” “Price” in 8 column table x 45 picas + +LAND COMPARABLES TABLE + +• Content sets as TB + +Full page width + +• + +“Reconciliation of Site Value” sets as TXC-B (bold lead in to Myriad Pro Regular text) X 45 +picas + +General Description (H1) + +Left-hand side of page + +• + +“Cost Type,” “Cost Data Source” set as TXR-B, TXR + +o “Quality Rating,” “Effective Date” set as TXR-I, TXR + +Right-hand side of page + +• + +“Cost Method,” “Depreciation Method” set as TXR-B, TXR + +Cost Approach Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Cost Approach Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Reconciliation” sets as TAB. + +Approaches to Value (H1) diff --git a/chunks/txt/dfe69557b446e46b9926c34f797519b87a95410f5482e507f4b60763db268493.txt b/chunks/txt/dfe69557b446e46b9926c34f797519b87a95410f5482e507f4b60763db268493.txt new file mode 100644 index 0000000000000000000000000000000000000000..49ed83477e0a01fb08c6d229e271d45bbbbdbed6 --- /dev/null +++ b/chunks/txt/dfe69557b446e46b9926c34f797519b87a95410f5482e507f4b60763db268493.txt @@ -0,0 +1,75 @@ +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATE +RALS/COLLATERAL/SUBJECT_PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DET +AIL + +0.041 + +AppraisalIdentifier + +1234567891 + +1.014 + +PropertyValuationAmount + +300000.00 + +Mutually exclusive with +PropertyEstimatedValueAmount. + +N O T E : The attribute IdentifierOwnerURI which contained the link to the Uniform Collateral Data Portal (UCDP), along +with the data points PropertyValuationMethodType and PropertyValuationMethodTypeOtherDescription, have been +removed from UCD v2.0. + +Figure 14. XML File Snippet with Appraised Value and Doc File ID. + + +… + + + + + + + + +SiteBuilt + + + + + + + +1234567891 + 300000.00 + + + + + + + + + + +… + + +b. Purchase Transactions + +With purchases, the sale price is used instead of a property valuation amount. The data point(s) used for the sale price in +the XML file depend on whether personal property is included in the transaction. The existence and value of the +PersonalPropertyIncludedIndicator determine which data points to use. + +UCD v2.0 Implementation Guide + +- 23 - + +Version 1.0 + +Uniform Closing Dataset diff --git a/chunks/txt/dfe941d99c422bbacc48a5dae98f6e8a811b2044ed5f8d8da2e55ca29255a8c9.txt b/chunks/txt/dfe941d99c422bbacc48a5dae98f6e8a811b2044ed5f8d8da2e55ca29255a8c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..a4f303ee9f1c89c30292e01a6521a011a86f4b14 --- /dev/null +++ b/chunks/txt/dfe941d99c422bbacc48a5dae98f6e8a811b2044ed5f8d8da2e55ca29255a8c9.txt @@ -0,0 +1,25 @@ +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/831","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/dfea12aeafefd3c5491891c4027da2fb7dfeba6c860b7b6ac498cffa93661d2f.txt b/chunks/txt/dfea12aeafefd3c5491891c4027da2fb7dfeba6c860b7b6ac498cffa93661d2f.txt new file mode 100644 index 0000000000000000000000000000000000000000..fb3020f244866b03d9e22e7a1fe0364a75fc1a54 --- /dev/null +++ b/chunks/txt/dfea12aeafefd3c5491891c4027da2fb7dfeba6c860b7b6ac498cffa93661d2f.txt @@ -0,0 +1,74 @@ +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +US + 12345 + ST + + + + + + + + +PropertySeller + + + + + + + + +… + + +2. REQUIRED IF PARTY TO THE TRANSACTION + +Three PARTYs must only be provided if applicable to the transaction. If a Mortgage Broker was party to the transaction, its +contact information must be provided. For purchases, participating Listing and/or Selling Real Estate Agents are required. +Once the PartyRoleTypes of “MortgageBroker” or “RealEstateAgent” are included in the XML file, all other required data +points for the PartyRoleType must also be included. + +The organization and individual contact information for the conditional Mortgage Broker, Listing Real estate Agent and +Selling Real Estate agent are rendered on 23.0 “Contact Information Table”. The data points used to populate each column +and row of the “Contact Information” table are shown below. + +Figure 117. XML File Conditional Mortgage Broker and Real Estate Agent Data as Rendered on the CD. + +Contact Information + +23.0 + +Mortgage Broker 23.0.2 +PartyRoleType = +“MortgageBroker” + +Real Estate Broker (B) 23.0.3 +PartyRoleType = +“RealEstateAgent” +RealEstateAgentType = +“Selling” + +Real Estate Broker (B) 23.0.4 +PartyRoleType = +“RealEstateAgent” +RealEstateAgentType = +“Listing” + +23.1.2 Beta Brokerage +Services + +23.1.3 Omega Real Estate +Broker, Inc. + +23.1.4 Alpha Real Estate +Broker, Inc. + +23.2.2 +222 Midtown Circle +Sometown, ST 12343 diff --git a/chunks/txt/dff284d5c515f99d194e7493173a830409c23249983b4f499ca8cbebbcaa8f01.txt b/chunks/txt/dff284d5c515f99d194e7493173a830409c23249983b4f499ca8cbebbcaa8f01.txt new file mode 100644 index 0000000000000000000000000000000000000000..ca11b652091ad59978338c38958611e98945303f --- /dev/null +++ b/chunks/txt/dff284d5c515f99d194e7493173a830409c23249983b4f499ca8cbebbcaa8f01.txt @@ -0,0 +1,60 @@ +mm/dd/yyyy + +Expiration date of the credential. + +Free-form + +Explains the details and extent of the assistance provided. + +2.052 + +Expires + +2.048 + +Description + +Required if Credential +Type is not None + +Required for each +person providing +significant real +property appraisal +assistance + +Property Data Report + +This subsection provides details about the property data report, which is the accumulation of factual +information collected from the observation of a residential property that is completed specifically for mortgage +purposes, whether in the form of data or a report. This is limited to property characteristics and does not +include opinions of value. + +Note: Tax records and MLS listings are data sources and do not constitute a property data report. + +A contact (person) displays in this section when the Property Data Collector Role is chosen for the contact. If +there is no property data report associated with the appraisal (Property Data Report Used (2.005) is No), do not +choose a Role of Property Data Collector, and this subsection does not display. + +Reference published guidelines by the GSEs, government agencies, or other identified secondary market +participants for requirements regarding the level of inspection. + +Allowable Answer + +Definition / Additional Guidance + +Role: Property Data Collector (Choose if applicable for each Contact) + +Property Data Collector + +The person observing and collecting relevant property characteristics used in preparation of a property data report. + +Appendix F-1: URAR Reference Guide + +Page 43 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +02 Assignment Information diff --git a/chunks/txt/dff4ad53af088d855538c26f6f4b10ab0b131b26085a858680ff29e308e0e167.txt b/chunks/txt/dff4ad53af088d855538c26f6f4b10ab0b131b26085a858680ff29e308e0e167.txt new file mode 100644 index 0000000000000000000000000000000000000000..cb0e88b86962eaa381a3856faa672f2b1ee6eced --- /dev/null +++ b/chunks/txt/dff4ad53af088d855538c26f6f4b10ab0b131b26085a858680ff29e308e0e167.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/nsmo" +date_accessed: "2026-01-27T17:54:20.625Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/e01a037047d16ad8046099edb3469ae8b04b9cdc35a2554bcde12dd2803ea619.txt b/chunks/txt/e01a037047d16ad8046099edb3469ae8b04b9cdc35a2554bcde12dd2803ea619.txt new file mode 100644 index 0000000000000000000000000000000000000000..a3e90dc0a8a446d7c93e5eb6ded9dc6a6cf677a5 --- /dev/null +++ b/chunks/txt/e01a037047d16ad8046099edb3469ae8b04b9cdc35a2554bcde12dd2803ea619.txt @@ -0,0 +1,41 @@ +Either field 2-33 or, at least one of +fields 2-34, 2-35, 2-36, 2-37, 2-38, 2- +39, 2-40, 2-41 (Unit Charge Utility +Included In Assessment Indicator = 'Y' +and values of Unit Charge Utility Type) +should be indicated. + +Either field 2-33 or, at least one of +fields 2-34, 2-35, 2-36, 2-37, 2-38, 2- +39, 2-40, 2-41 (Unit Charge Utility +Included In Assessment Indicator = 'Y' +and values of Unit Charge Utility Type) +should be indicated. + +Either field 2-33 or, at least one of +fields 2-34, 2-35, 2-36, 2-37, 2-38, 2- +39, 2-40, 2-41 (Unit Charge Utility +Included In Assessment Indicator = 'Y' +and values of Unit Charge Utility Type) +should be indicated. + +Either field 2-33 or, at least one of +fields 2-34, 2-35, 2-36, 2-37, 2-38, 2- +39, 2-40, 2-41 (Unit Charge Utility +Included In Assessment Indicator = 'Y' +and values of Unit Charge Utility Type) +should be indicated. + +Either field 2-33 or, at least one of +fields 2-34, 2-35, 2-36, 2-37, 2-38, 2- +39, 2-40, 2-41 (Unit Charge Utility +Included In Assessment Indicator = 'Y' +and values of Unit Charge Utility Type) +should be indicated. + +Either field 2-33 or, at least one of +fields 2-34, 2-35, 2-36, 2-37, 2-38, 2- +39, 2-40, 2-41 (Unit Charge Utility +Included In Assessment Indicator = 'Y' +and values of Unit Charge Utility Type) +should be indicated. diff --git a/chunks/txt/e01b46fb5de28ef86bc9a6756ceffeef97718586dd4b6101937f38c4b97db9a6.txt b/chunks/txt/e01b46fb5de28ef86bc9a6756ceffeef97718586dd4b6101937f38c4b97db9a6.txt new file mode 100644 index 0000000000000000000000000000000000000000..6f30c7f52dcf0eab76b5b4e67c66daa5da278723 --- /dev/null +++ b/chunks/txt/e01b46fb5de28ef86bc9a6756ceffeef97718586dd4b6101937f38c4b97db9a6.txt @@ -0,0 +1,65 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix D-1: Cooperative Scenario +Document Version 1.3 +June 10, 2025 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. +© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Revision History + +Date + +Version # Revision Description + +06/10/2025 + +09/17/2024 + +12/12/2023 + +1.3 + +1.2 + +1.1 + +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. + +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. + +03/29/2023 + +1.0 + +Initial Publication + +Introduction + +This report is for the purchase of a single-level cooperative apartment located less than a half mile from +the city center. The subject project comprises of a high-rise structure built in the early 1970s and +contains a dry cleaner and some office space on the first floor. The subject building contains a total of +126 residential units that also have access to a pool and a theater. A garage parking space conveys with +the subject property. The project grounds are adorned with landscaping that is beneficial to its value +and marketability. + +Key Characteristics + +• Project Information + +o Property is in a Cooperative Project +o Tax Abatements apply +o Project recently converted from apartment complex +o Project reported Incomplete due to unplanted trees +o Unit Transfer Fees apply +• Historical Preservation property +• Updated Kitchen & Bathrooms +• One parking space included +• The Sales Comparison Approach section includes Additional Properties Analyzed Not Used diff --git a/chunks/txt/e0328dc1841048c3b3408a83b5e37216fe8251bb7350e4dcb983f0531d2af229.txt b/chunks/txt/e0328dc1841048c3b3408a83b5e37216fe8251bb7350e4dcb983f0531d2af229.txt new file mode 100644 index 0000000000000000000000000000000000000000..bc88ea014892d200c3b589ba41bc47879479e61a --- /dev/null +++ b/chunks/txt/e0328dc1841048c3b3408a83b5e37216fe8251bb7350e4dcb983f0531d2af229.txt @@ -0,0 +1,81 @@ +Escrow + +Escrowed +Property Costs +over Year 1 +Non-Escrowed +Property Costs +over Year 1 + +Initial Escrow +Payment + +18.2 + +18.3 + +$ + +$ + +Estimated total amount over year 1 for +your escrowed property costs: + +Estimated total amount over year 1 for +your non-escrowed property costs: + +18.4 + +$ + +You may have other property costs. +A cushion for the escrow account you +pay at closing. See Section G on page 2. + +Monthly Escrow +Payment +18.1  will not have an escrow account because  you declined it  your + +The amount included in your total +monthly payment. + +18.5 + +$ + +lender does not offer one. You must directly pay your property +costs, such as taxes and homeowner’s insurance. Contact your +lender to ask if your loan can have an escrow account. + +No Escrow + +Estimated +Property Costs + +over Year 1 +Escrow Waiver Fee + +18.6 + +18.7 + +$ + +$ + +Estimated total amount over year 1. You +must pay these costs directly, possibly in + +one or two large payments a year. + +In the future, +Your property costs may change and, as a result, your escrow pay- +ment may change. You may be able to cancel your escrow account, +but if you do, you must pay your property costs directly. If you fail +to pay your property taxes, your state or local government may (1) +impose fines and penalties or (2) place a tax lien on this property. If you +fail to pay any of your property costs, your lender may (1) add +the amounts to your loan balance, (2) add an escrow account to your +loan, or (3) require you to pay for property insurance that the lender +buys on your behalf, which likely would cost more and provide fewer +benefits than what you could buy on your own. diff --git a/chunks/txt/e0364c4dc7c243e10c33046ccf4f8fbcbd59a5c79d87c2bda9389794a22dba71.txt b/chunks/txt/e0364c4dc7c243e10c33046ccf4f8fbcbd59a5c79d87c2bda9389794a22dba71.txt new file mode 100644 index 0000000000000000000000000000000000000000..82e08821f600a6d8a5d48729834b985917119f9e --- /dev/null +++ b/chunks/txt/e0364c4dc7c243e10c33046ccf4f8fbcbd59a5c79d87c2bda9389794a22dba71.txt @@ -0,0 +1,7 @@ +TXR –Text with Rule ............................................................................................................................................ 21 + +TXR-I – Text with Rule Indented ......................................................................................................................... 21 + +TXR-II – Text with Rule Double Indented ............................................................................................................ 22 + +TX-BI – Text Bold Italic ........................................................................................................................................ 22 diff --git a/chunks/txt/e048d433525b0797727cbcd02c5c7cc05879b134a0b6ed5c228064997364ca82.txt b/chunks/txt/e048d433525b0797727cbcd02c5c7cc05879b134a0b6ed5c228064997364ca82.txt new file mode 100644 index 0000000000000000000000000000000000000000..9556e901c8717b112fac2abe34755eafe0952e28 --- /dev/null +++ b/chunks/txt/e048d433525b0797727cbcd02c5c7cc05879b134a0b6ed5c228064997364ca82.txt @@ -0,0 +1,183 @@ +Summary: Property Description + +Report +Field ID + +1.025 + +Property +Restriction + +When there are +property +restrictions + +Site +• + +Displays an allowable +answer from the +Definition / +Additional Guidance +column + +Property +Restriction 4.051 + +1.026 + +Encroachment When there are +encroachments + +1.027 + +Zoning +Compliance + +Always displays + +1.028 + +HUD Data Plate +Attached + +1.029 + +HUD Label +Present for All +Sections + +When the +Manufactured +Home section is +included in the +report + +When the +Manufactured +Home section is +included in the +report + +Displays an allowable +answer from the +Definition / +Additional Guidance +column + +Displays an allowable +answer from the +Definition / +Additional Guidance +column + +Yes | No + +Site +• + +Site +• + +Encroachment +4.059 + +Zoning +Compliance +4.008 + +Manufactured Home +• +HUD Data Plate +Attached 9.010 + +Yes | No + +Manufactured Home +• +Label Present for +all Sections 9.016 + +• + +• +• + +• +• +• +• +• +• +• + +• +• +• +• +• + +• +• +• +• + +Age +Historic Preservation +Income +Land Use +Rental +Sale Price +Other (Describe) + +Building +Driveway +Fence +Overhang +Other (Describe) + +Illegal +Legal +Legal Nonconforming +No Zoning + +Note: If there is more than one manufactured home +on the property: +• + +Yes (the HUD Data Plate is attached for all +manufactured homes). +No (the HUD Data Plate is not attached for at +least one manufactured home). + +Yes (the HUD Label is attached for all sections). +No (the HUD Label is missing for at least one of +the sections). + +1.030 + +Overall Quality + +Always displays + +Q1 to Q6 + +1.031 + +Overall +Condition + +Always displays + +C1 to C6 + +Overall Quality and +Condition +• + +Overall Quality +15.000 + +Overall Quality and +Condition +• diff --git a/chunks/txt/e05a4ac9afb450f3a2817d8540cadb193ef13c4c239def490af979ac9b81249f.txt b/chunks/txt/e05a4ac9afb450f3a2817d8540cadb193ef13c4c239def490af979ac9b81249f.txt new file mode 100644 index 0000000000000000000000000000000000000000..981dc12dfc6e47a324ec4832242512c2fb54935c --- /dev/null +++ b/chunks/txt/e05a4ac9afb450f3a2817d8540cadb193ef13c4c239def490af979ac9b81249f.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/supervision/fannie-mae-and-freddie-mac" +date_accessed: "2026-01-27T17:54:20.417Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/e0617beb49f8412b0077175ac728c36e1b61770c14b2d03fe3ff376c31ca4840.txt b/chunks/txt/e0617beb49f8412b0077175ac728c36e1b61770c14b2d03fe3ff376c31ca4840.txt new file mode 100644 index 0000000000000000000000000000000000000000..ed3ef51d00c52ec7aa663f7608efd1e247fbc769 --- /dev/null +++ b/chunks/txt/e0617beb49f8412b0077175ac728c36e1b61770c14b2d03fe3ff376c31ca4840.txt @@ -0,0 +1,147 @@ +A free-form text field used to describe +the source of information. + +10 + +COST APPROACH + +Quality Rating from Cost +Service + +Cost Service Quality +Rating Description + +Specifies the quality rating of the +itemized building cost information +provided by the cost estimating +service. + +408 + +3 + +11 + +COST APPROACH + +Effective Date of Cost +Data + +GSE Cost Data +Source Effective Date +Description + +The effective date of the cost data +provided by the construction cost +service used to determine the cost +approach to value. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS/@SiteEstimatedV +alueComment + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS[@_Type='Reprod +uction'] + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS[@_Type='Replac +ement'] + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS/@DataSourceDes +cription + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS/@CostServiceQu +alityRatingDescription + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS/COST_ANALYS +IS_EXTENSION/COST_ANALYSIS_EXTENS +ION_SECTION[@ExtensionSectionOrganizatio +nName='UNIFORM APPRAISAL +DATASET']/COST_ANALYSIS_EXTENSION +_SECTION_DATA/COST_APPROACH_DAT +A_SOURCE/@GSECostDataSourceEffectiveDa +teDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +1 + +1 + +20 + +10 + +Enumerated + +Enumerated + +String + +String + +12 + +String + +409 + +410 + +411 + +412 + +413 + +414 + +415 + +416 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +12 + +COST APPROACH + +Comments on Cost +Approach + +Cost Analysis +Comment + +13 + +COST APPROACH + +Estimated Remaining +Economic Life + +14 + +COST APPROACH Opinion of Site Value diff --git a/chunks/txt/e06d7c5f2941f2ab50c6e3355b14a189bb4cc3b303f0bc526eb03efb6086042d.txt b/chunks/txt/e06d7c5f2941f2ab50c6e3355b14a189bb4cc3b303f0bc526eb03efb6086042d.txt new file mode 100644 index 0000000000000000000000000000000000000000..3269c9044c7da35a51a3861b97449bb50dadc957 --- /dev/null +++ b/chunks/txt/e06d7c5f2941f2ab50c6e3355b14a189bb4cc3b303f0bc526eb03efb6086042d.txt @@ -0,0 +1,70 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix D-1: Condominium Scenario (Condo1) +Document Version 1.3 +June 10, 2025 + +This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the +Federal Housing Finance Agency. +© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Revision History + +Date + +Version # Revision Description + +06/10/2025 + +09/17/2024 + +12/12/2023 + +1.3 + +1.2 + +1.1 + +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. + +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. + +03/29/2023 + +1.0 + +Initial Publication + +Introduction + +This report is for the refinance of a condominium apartment in a midrise building. The subject unit +contains two bedrooms, two full bathrooms, a fireplace, and a private balcony. The unit contains 1,092 +sq. ft. and is located on the second floor of the building. Its kitchen and bathrooms were renovated with +high-end finishes. The floorplan meets local expectations for flow and utility. Due to its many updates, +the subject unit shows nicely. It also contains two separately deeded garage parking spaces. + +Key Characteristics + +• Hybrid assignment + +o + +Interior and exterior inspection via Property Data Report + +• Parties associated with this transaction: + +o AMC +o Appraiser with a designation, appraiser did not perform physical inspection + +• Project Information + +o Subject building contains a convenience store on the first floor +o Observed Deficiencies have been noted (balconies on the building) +o Special Assessment identified for balcony repair +o Known legal actions were noted diff --git a/chunks/txt/e06f6766d1c4984f489608189aa09c01739caf85115574f3b93d5df13fc6e813.txt b/chunks/txt/e06f6766d1c4984f489608189aa09c01739caf85115574f3b93d5df13fc6e813.txt new file mode 100644 index 0000000000000000000000000000000000000000..09be75bf6ba19162893341b8214d346fe8600660 --- /dev/null +++ b/chunks/txt/e06f6766d1c4984f489608189aa09c01739caf85115574f3b93d5df13fc6e813.txt @@ -0,0 +1,290 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/NEW_IMPROVEMENT[@_Type=‘Garage’]/@PricePerSquareFootAmo +unt + +9 + +Money + +PDF Display Format: +In dollars, to two decimal places. + +Price Per Square +Foot Amount + +New Improvement +Cost Amount + +New Improvement +Type Other +Description + +Square Feet Count + +Price Per Square +Foot Amount + +New Improvement +Cost Amount + +New Improvement +Cost Amount + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 204 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +407 + +408 + +409 + +410 + +411 + +412 + +413 + +414 + +415 + +416 + +417 + +418 + +419 + +420 + +421 + +422 + +423 + +424 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +38 + +39 + +40 + +41 + +42 + +43 + +44 + +45 + +26 + +COST APPROACH + +Cost-New Improvements +Garage/Carport +Cost + +27 + +COST APPROACH Total Estimated Cost-New + +29 + +COST APPROACH Physical Depreciation + +31 + +COST APPROACH Functional Depreciation + +33 + +COST APPROACH External Depreciation + +34 + +COST APPROACH Total Depreciation + +35 + +COST APPROACH + +36 + +COST APPROACH + +Depreciated Cost of +Improvements + +"As-Is"` Value of Site +Improvements + +New Improvement +Cost Amount + +New Improvement +Total Cost Amount + +Depreciation +Physical Amount + +Depreciation +Functional Amount + +Depreciation +Exterior Amount + +Depreciation Total +Amount + +New Improvement +Depreciated Cost +Amount +Site Other +Improvements As Is +Amount + +The dollar value of total estimated costs +to reproduce new the property +improvement. (CALCULATED +The dollar value of the total costs to +reproduce new the improvements on the +subject property. +This element specifies the Physical +depreciation amount of the subject +property. +This element specifies the Functional +depreciation amount of the subject +property. +This element specifies the Exterior +depreciation amount of the subject +property. +Specifies the total amount of depreciation +for the property improvements. This +amount includes physical, functional and +external depreciation. (CALCULATED +RESULTS FIELD) +Specifies the reproduction costs of the +improvements after depreciation has been +taken into account. +The dollar value contributed by other "as +is" improvements located on the subject +property site. diff --git a/chunks/txt/e07bf0d698b1b8d9de44d624d03c70c3e9c12bb34b7cb5c8b363864ee5ce8a52.txt b/chunks/txt/e07bf0d698b1b8d9de44d624d03c70c3e9c12bb34b7cb5c8b363864ee5ce8a52.txt new file mode 100644 index 0000000000000000000000000000000000000000..47d002d2cb2efbd23496afb10afc4b65e2d16436 --- /dev/null +++ b/chunks/txt/e07bf0d698b1b8d9de44d624d03c70c3e9c12bb34b7cb5c8b363864ee5ce8a52.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/326","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/reports\/no-fear-report":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. 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May refer to locally available +published map products (e.g. Thomas +Map in CA) or a county tax map. + +Identifies census tract as defined by the +U.S. Census Bureau where subject +property is located. + +/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@MapReferenceI +dentifier + +/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/@CensusTractId +entifier + +SUBJECT + +Occupant +Owner + +Property Current +Occupancy Type + +Specifies the property occupancy status of +a subject property. + +/VALUATION_RESPONSE/PROPERTY +[@_CurrentOccupancyType=‘OwnerOccupied’] + +10 + +30 + +25 + +15 + +The legal phase number of the subject unit. + +This data is referenced more than once on the form (fields 1-19, 3-14), and should be +represented consistently. + +String + +String + +String + +Enumerated + +UAD Requirement - Refer to Appendix D Subject Section + +One and only one of fields 1-22, 1-23, +1-24 (values of Property Current +Occupancy Type) must be indicated. + +CR + +CR + +CR + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 82 of 211 + +Document Version 1.4 + +R + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes diff --git a/chunks/txt/e0877781b5912458c17e62989549e4e059da8634f3ed20624fa4e127d166ac07.txt b/chunks/txt/e0877781b5912458c17e62989549e4e059da8634f3ed20624fa4e127d166ac07.txt new file mode 100644 index 0000000000000000000000000000000000000000..f8e8b05dc53103e70c35e335824a7306701ce5a0 --- /dev/null +++ b/chunks/txt/e0877781b5912458c17e62989549e4e059da8634f3ed20624fa4e127d166ac07.txt @@ -0,0 +1,64 @@ +mortgage; (B) the loan-to-value ratio of +the mortgage, which shall reflect any +secondary liens on the relevant +property; (C) the terms of the mortgage; +(D) the creditworthiness of the +borrower; and (E) any other relevant +data, as determined by the Director.’’ +FHFA is continuing to assess the +mortgage data elements that are needed +to implement section 1324(b)(6), and +will issue a subsequent Order, +applicable to the PUDB for 2009, that +implements this section after it has +completed its analysis.2 + +Section 1323, as amended, also +includes a new paragraph (d) which +states that data submitted under this +section by an Enterprise shall be made +publicly available no later than +September 30 of the year following the +year to which the data relates. 12 U.S.C. +4543(d).3 + +C. Description of Enterprise Reporting +and PUDB Matrices + +From 1993 to 2005, HUD took a + +number of regulatory and administrative +actions to establish and maintain a +PUDB, and to withhold from disclosure +in the PUDB certain Enterprise mortgage +data that HUD had determined to be +proprietary information and to release to +the public Enterprise mortgage data that +HUD had determined to be non- +proprietary. FHFA’s revisions discussed +in this Notice of Order have been made +to the PUDB matrices as set forth in +HUD’s October 4, 2004 Final Order. See +69 FR 59476. The PUDB matrices are +data dictionaries, attached as an +Appendix to this Notice of Order, which +describe the data fields provided in the +public release of the data in the PUDB. + +The PUDB contains Enterprise single- + +family and multifamily mortgage loan- +level data, including data elements that +have been determined to lose their +proprietary character when categorized +in ranges or otherwise adjusted or +recoded. For single-family mortgage +data, there are three separate files: a +Census Tract File that identifies the +census tract location of the mortgaged +properties; a National File A containing +loan-level data on owner-occupied one- +unit properties but without census tract +identifiers; and a National File B +containing unit-level data on all single- +family properties without census tract diff --git a/chunks/txt/e0919457e3b32ba35be79a8bc8c1fa7265dfc99bd01aa4432c89f12bdbba1bfc.txt b/chunks/txt/e0919457e3b32ba35be79a8bc8c1fa7265dfc99bd01aa4432c89f12bdbba1bfc.txt new file mode 100644 index 0000000000000000000000000000000000000000..7794688cb8e959406c8446528e5d16af53ed5dd5 --- /dev/null +++ b/chunks/txt/e0919457e3b32ba35be79a8bc8c1fa7265dfc99bd01aa4432c89f12bdbba1bfc.txt @@ -0,0 +1,24 @@ +Financing Arrangement +(cid:25)(cid:17)(cid:19)(cid:19)(cid:22) + +Year +(cid:25)(cid:17)(cid:19)(cid:19)(cid:26) + +Version +(cid:25)(cid:17)(cid:19)(cid:19)(cid:27) + +Rating +(cid:25)(cid:17)(cid:19)(cid:19)(cid:28) + +Score +(cid:25)(cid:17)(cid:19)(cid:20)(cid:22) + +Appraisal Version # + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) + +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68) +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) diff --git a/chunks/txt/e092d1be0be4a48da9f7d428cceea232a312b65a04da6c3a9376db2a71047b69.txt b/chunks/txt/e092d1be0be4a48da9f7d428cceea232a312b65a04da6c3a9376db2a71047b69.txt new file mode 100644 index 0000000000000000000000000000000000000000..6f0dc62c3fa7892ea112b7141085fc1b3927a6b5 --- /dev/null +++ b/chunks/txt/e092d1be0be4a48da9f7d428cceea232a312b65a04da6c3a9376db2a71047b69.txt @@ -0,0 +1,71 @@ +Arcrole relationships establish “relationships” or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML +data specific instances of data points or containers must be connected to properly represent the information. + +• Containers or datapoints to be linked are identified using “xlink:label.” +• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships. + +There are four arcrole relationships relevant to the Prior Sales and Transfer History section. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 273 + +• Subject Property + +o DATA_SOURCE to SALES_HISTORY +o DATA_SOURCE to PriorSalesOrTransfersIndicator + +• Sales Comparable + +o DATA_SOURCE to SALES_HISTORY +o DATA_SOURCE to PriorSalesOrTransfersIndicator + +DATA_SOURCE to SALES_HISTORY (Subject Property) + +When the data source is associated with a subject property, provide the relationship that joins the applicable instance of SALES_HISTORY +where the ValuationUseType = "SubjectProperty" and there are prior sales or transfers. + +Unique ID + +Parent Container + +MISMO Attribute Name + +Supported Attribute Enumerations + +0800.0042 RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_SALES_HISTORY + +0800.0043 RELATIONSHIP + +0800.0044 RELATIONSHIP + +0800.0037 + +SALES_HISTORY + +0700.0124 DATA_SOURCE + +@xlink:from + +@xlink:to + +@xlink:label + +@xlink:label + +DATA_SOURCE_n + +SALES_HISTORY_n + +SALES_HISTORY_n + +DATA_SOURCE_n + +DATA_SOURCE to SALES_HISTORY (Sales Comparable) + +When the data source is associated with a sales comparable, provide the relationship that joins the applicable instance of SALES_HISTORY +where the ValuationUseType = "SalesComparable" and there are prior sales or transfers. diff --git a/chunks/txt/e09737e17175155a6836a2c1486f72c0d1016c7b5986fffa63404b652188e268.txt b/chunks/txt/e09737e17175155a6836a2c1486f72c0d1016c7b5986fffa63404b652188e268.txt new file mode 100644 index 0000000000000000000000000000000000000000..7f368854d7749deecc4eebc82bbd2bf778102626 --- /dev/null +++ b/chunks/txt/e09737e17175155a6836a2c1486f72c0d1016c7b5986fffa63404b652188e268.txt @@ -0,0 +1,97 @@ +Note: If Yes, provide the source of information and additional details in +Manufactured Home Commentary (9.026). + +Indicates whether the manufactured home is attached to a permanent +foundation. + +Notes: +• + +• + +Additional information about the foundation is reported in the Exterior +Features table in the Dwelling Exterior section. +If the foundation area is readily accessible, a photo must be provided, +which displays in Manufactured Home Exhibits. A caption must be +provided indicating “Foundation” and any other descriptive information +as appropriate. + +9.004 + +Towing Hitch, +Wheels, Axels +Removed + +Always required + +Yes | No + +Indicates whether the towing hitch, wheels, and axles have been removed from +the frame of the manufactured home. +Note: If No, reference published guidelines by the GSEs, government agencies, +or other identified secondary market participants for specific guidance. + +9.005 Manufactured + +Always required + +Single or Multi + +Home Width + +Single (including multi-story single-width homes) + +• +• Multi (manufactured in multiple sections and joined on site) + +9.006 + +Skirting + +Always required + +Yes | No + +Skirting Exists: Indicates whether a non-structural enclosure of the foundation +crawl space exists. + +9.006 + +Skirting + +Required if Skirting +Exists is Yes + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Asbestos +Brick +Cement Board +Concrete Block +Engineered Wood +Fiberglass +Log + +Skirting Material +• +• +• +• +• +• +• +• Metal +• +Poured Concrete +• +Vinyl +• Wood +• +Note: If the skirting is readily accessible, a photo must be provided, which +displays in Manufactured Home Exhibits. Provide a caption indicating “Skirting” +and any other descriptive information as appropriate. diff --git a/chunks/txt/e0c50d75427a80afe72dacfa21a1de0738616800977d2b72fc4f1f47cd3c5b30.txt b/chunks/txt/e0c50d75427a80afe72dacfa21a1de0738616800977d2b72fc4f1f47cd3c5b30.txt new file mode 100644 index 0000000000000000000000000000000000000000..e8a8bb4a73704181e3cf41e7c2d28c24916e8f09 --- /dev/null +++ b/chunks/txt/e0c50d75427a80afe72dacfa21a1de0738616800977d2b72fc4f1f47cd3c5b30.txt @@ -0,0 +1,12 @@ +enterprise: 1 | record_num_sf_nfb: 10000001 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 7 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4 +enterprise: 1 | record_num_sf_nfb: 10000002 | metro: 0 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 5 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4 +enterprise: 1 | record_num_sf_nfb: 10000003 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 1 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 2 | race_ethnicity_coborr: 9 | sex_borr: 2 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 2 +enterprise: 1 | record_num_sf_nfb: 10000004 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 2 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 5 | race_ethnicity_borr: 3 | race_ethnicity_coborr: 3 | sex_borr: 2 | sex_coborr: 1 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 1 +enterprise: 1 | record_num_sf_nfb: 10000005 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 3 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4 +enterprise: 1 | record_num_sf_nfb: 10000006 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 1 | income_cat: 1 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 2 +enterprise: 1 | record_num_sf_nfb: 10000007 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 2 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4 +enterprise: 1 | record_num_sf_nfb: 10000008 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 2 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4 +enterprise: 1 | record_num_sf_nfb: 10000009 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 5 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4 +enterprise: 1 | record_num_sf_nfb: 10000010 | metro: 1 | tract_minority_cat: 1 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 5 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4 +enterprise: 1 | record_num_sf_nfb: 10000011 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 3 | income_cat: 2 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 3 | race_ethnicity_coborr: 3 | sex_borr: 2 | sex_coborr: 1 | occupancy_sf_nfb: 3 | units_num: 1 | unit_own_occ: 2 | afford_sf: 4 +enterprise: 1 | record_num_sf_nfb: 10000012 | metro: 1 | tract diff --git a/chunks/txt/e4b2991c7b0146ddd2f25f32bb8d72b031905f1e46b795c569be52bfc04fa0d1.txt b/chunks/txt/e4b2991c7b0146ddd2f25f32bb8d72b031905f1e46b795c569be52bfc04fa0d1.txt new file mode 100644 index 0000000000000000000000000000000000000000..6a4cbe77e604a211e126b5a6d2669706273aa504 --- /dev/null +++ b/chunks/txt/e4b2991c7b0146ddd2f25f32bb8d72b031905f1e46b795c569be52bfc04fa0d1.txt @@ -0,0 +1,20 @@ +4. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses, +opinions, statements, conclusions, and the appraiser’s certification. + +5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct. + +6. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analyses, opinions, +statements, conclusions, and the appraiser’s certification. + +7. The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm), +is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law. + +8. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the +Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was transmitted. + +9. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal +and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of +my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +Additional Supervisory Appraiser Certifications